High Risk Home Insurance Manitoba
Handles Floods, Hail, and Prairie Storms
Insurely gives you real high-risk home insurance Manitoba homeowners trust. You get protection against violent storms, spring floods, and unexpected burst pipes. Your home and valuable items stay covered, even when rebuilding costs spike or severe weather strikes. 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.
Protection Built for Manitoba’s Extremes
Water & Sewer Backup
This high-risk home insurance covers cleanup, ruined drywall, and furniture, so you don’t pay out of pocket.
Wind, Hail & Storm Damage
From Brandon to Dauphin, storms bring roof damage, shattered windows, and ripped siding. Your home insurance coverage pays for repairs when your home gets hit hard.
Fire Coverage
If grassfires or lightning strikes destroy your home, its rebuild gets paid at full replacement cost, no matter the spike in prices.
Additional Living Expenses
Your home becomes unlivable? This insurance policy pays for a hotel room, meals, and living expenses until repairs are done.
Service Line Protection
Manitoba’s shifting soil breaks underground pipes. With this coverage, repairs are handled and paid for.
Liability & Voluntary Medical Payments
Insurely covers medical payments and potential legal fees as part of your liability coverage.
Personal Property & Theft
Appliances stolen during a break-in? TV wrecked in a storm? Your personal property is protected, no matter where you live in Manitoba.
Guaranteed Replacement Cost
Rebuild costs in Manitoba jumped over 60% since 2019. With Insurely’s home insurance policy, your home gets rebuilt. No limits.
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.
Trusted by Homeowners Across the Keystone Province
We serve homeowners in Winnipeg, Brandon, Steinbach, and everywhere else across Manitoba.We serve homeowners with the right coverage in Winnipeg, and Brandon, and everywhere else in between.
- ✓Over 107,000 quotes and counting
- ✓Trusted by Canadian homeowners, renters, and landlords
- ✓4.9/5 rating from hundreds of real-life customers
Insurely Inc.
4.9 ★★★★★ (445)
Insurance broker · Google review
FAQs
Yes, in many cases. While standard insurance may have limitations, specialized high risk homeowners insurance can often include an “overland water” endorsement. This is specifically designed to protect you from damage caused by overflowing rivers, which is a key risk in that region.
Yes. A high risk home insurance policy is a valid form of property insurance. It meets the requirements of mortgage lenders and ensures your financial institution’s investment in your home is protected.
A typical home insurance policy offers very limited coverage for watercraft, usually for small, low-horsepower boats only, and often just for liability. To properly insure a boat of any significant value, you need a separate boat or marine insurance policy.
Many insurance companies offer discounts of 10-20% if you purchase both your home and car insurance from them. It’s one of the most common ways to save money. Insurely is a specialist that focuses on providing the best home insurance possible. We recommend securing the right coverage for your high-risk home first, then checking with a provider of car insurance online to see if they offer any multi-line savings.
The Right Coverage for Your Manitoba Home
No matter your living situation, we have insurance products that fit you perfectly.
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.