High Risk Home Insurance Edmonton
Protects Homes, Pays Your Claims
Insurely offers solid home insurance coverage even when others say no. You’ve been labelled ‘high risk’. And getting a straight answer on high-risk home insurance Edmonton seems impossible. We understand. And that’s why we created this. It shields you from Edmonton’s harsh realities. When something covered by your insurance happens, you get the money to fix it. That’s the entire point. Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay—all online in minutes.
Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
Your Edmonton Home Insurance Covers So Much
Fire, Wind, and Theft Protection
Covers destruction from fire, the brutal winds that whip across the prairies, and hail damage. If someone breaks in and steals your stuff, your personal belongings are covered.
Guaranteed Replacement Cost
Alberta’s construction labour shortages are driving up rebuild costs. Get what it takes to rebuild your home to its former state, even if the replacement cost exceeds your coverage limits.
Water Damage
Protects you from sudden and accidental water damage. We pay for the covered repairs, so your savings stay safe.
Liability Protection
A guest slips on your icy walkway in Callingwood. Here’s coverage that protects you from lawsuits and liability claims tied to your property.
Insurance For Your House, Condo, or Rental
Whatever you own or rent, there’s protection for it.
Homeowners
Protects the building itself, your stuff inside, and covers the replacement cost if the worst happens.
Condo Owners
Protects your actual unit. Your upgrades, your furniture, your liability. Get a quick quote for your condo insurance coverage.
Tenants
Tenant insurance protects your laptop, your clothes, and your furniture. It also gives you money for living expenses if a fire or flood means you have to move out for a while.
Landlords
Property insurance for landlords. Protects your investment from damage and covering your unique liabilities.
Get Covered Online in Minutes: How It Works
You've likely had enough stressful conversations about your home insurance. Our process is different.
Free Quote in Minutes
Answer a few questions and get a real quote — no phone call required.
Control Policy 24/7
Manage your policy, coverage, and documents anytime online.
Flexible Payment Options
Pay monthly or annually — whatever works for your budget.
Instant Proof of Insurance
Download your pink card or lender letter the moment you're covered.
FAQs
Your home insurance costs will be higher than for a low-risk home, but it’s not always a crazy amount. Things like a new roof, a security system, or even agreeing to a higher deductible can bring the price down. We look for fair insurance rates for your specific property.
It puts you on the radar for high-risk home insurance. Insurers look at your claims history. But if you can show the problem was properly fixed, it proves you’ve lowered the risk. We can often find a home insurance policy for you.
Not in a basic policy, no. That’s called overland flooding, and it’s a separate, optional coverage. If you live in a flood zone in the river valley, it’s something you seriously need to consider adding.
Your standard homeowners insurance policy has very little coverage for business stuff. You have to tell your insurer about your home business. You’ll likely need to add a special endorsement to protect your work equipment and any business-related liability.
Bundling home and auto insurance is a smart way to get a discount from companies that offer both. It can lower the insurance costs on your car insurance and home insurance. Right now, Insurely is focused only on providing the best possible property insurance, so we don’t offer auto insurance.
Our system is digital, which cuts out a lot of the slow, manual steps of older insurance companies. You file online, and the process to review your covered claim and get you the money is built to be as quick and straightforward as possible.
Life happens. If you have a non-payment, there’s a grace period, and we’ll send you reminders. But if it keeps happening, your policy could get cancelled. A cancellation makes it much tougher and more expensive to get a new home insurance policy from anyone.
Rated 4.9/5 by Homeowners Like You
People in Westmount, Bonnie Doon, Oliver, and all across Edmonton trust Insurely for high-risk home insurance coverage
Coverage descriptions on this page are for informational purposes only and not a substitute for insurance advice or your policy's specific terms and exclusions.