Home Insurance Manitoba
Built for Whatever Manitoba Throws at You
Record snowfalls. Frozen pipes. Ice storms. Flooded basements. Insurely delivers real home insurance built for your climate, with fast quotes, full coverage clarity, and zero red tape. We give Manitobans home insurance coverage that works, moves fast, and doesn’t leave you scrambling when you file a claim . Start your home insurance quote now. 60 seconds. Fully online. Truly useful. 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.
Coverage That Understands Manitoba Homes
Frozen Pipe & Leak Protection
Pays to repair sudden water damage from burst pipes or leaking supply lines; common in Manitoba winters.
Wind & Hail Damage
Covers roof, siding, windows, and outdoor structures after severe prairie wind or hail storms.
Sewer Backup & Overland Water
Kicks in when drains back up or surface water enters from heavy rain or flooding.
Fire, Theft & Vandalism
Repairs or replaces your home and belongings after a fire or criminal damage, or loss.
Personal Liability
Protects you if someone gets hurt on your property and makes a claim or sues.
Guaranteed Rebuild Cost
Rebuilds your home to the same quality, even if construction prices spike after a loss.
Additional Living Expenses
Pays for hotels, meals, laundry, and short-term rentals while your home is being repaired.
Service Line Coverage
Fixes underground water, sewer, power, data, or gas lines you’re responsible for from the street to your home.
Choose the Coverage Setup That Fits Your Manitoba Home
Homeowners
Covers your structure, personal property, and rebuilds. Add-on options for water damage, fires, and theft. Full home insurance cover that fits modern life.
Condo Owners
Covers your unit, upgrades, and any gaps in your condo insurance. Includes personal liability and relocation coverage. Instant setup for condo owners in Winnipeg, Steinbach, and beyond.
Tenants
You don’t own the building, but your stuff needs protection. Tenant insurance includes liability coverage, relocation, and personal belongings. Coverage starts at $1.50/day
Landlords & Multi-Unit Owners
Renting out part of your home or managing duplexes? Get proper insurance coverage for how the property is used. Add short-term rental coverage in minutes
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.
Rated 4.9 Stars by Your Neighbours, Not Bots
From Winnipeg to Brandon, from Selkirk to Thompson, we serve homeowners across the province. Over 107,000 insurance quotes issued ● 4.9/5 rating from actual Canadian residents ● Trusted by first-time buyers and seasoned landlords ● Transparent, fast, and always online.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
A standard home insurance policy in Manitoba includes protection against fire, water damage, personal liability, and theft. With Insurely, you also purchase additional coverage for sewer backup, natural disasters, and short-term rental units.
Yes, if damage is caused by a covered event like a burst pipe during extreme cold. Make sure your policy includes winter-related coverage options.
Yes. Due to an increase in insurance claims from floods, fires, and winter damage, home insurance premiums are rising. Keeping a claims-free record and installing home security systems helps you save money.
Tenant insurance protects your personal belongings, liability coverage, and relocation costs. Contents insurance usually refers to your stuff only. Insurely covers both.
Insurely only offers home insurance, not car insurance online. But some auto insurance companies offer discounts when you show proof of home insurance.
Absolutely. Mortgage lenders may require homeowner’s insurance, but if you’re mortgage free, you still risk paying out of pocket for covered losses like fire or flooding. That’s where full property insurance helps.
Yes. Most home insurance coverage through Insurely includes other structures like garages, sheds, and fences. List them when you request your online quote so they’re fully protected.
Yes. Insurely’s policies typically include liability coverage, including voluntary medical payments for accidents that happen on your premise, such as a guest slipping or a neighbour’s kid getting hurt.
Yes. Many insurance companies offer discounts for homes with security systems, monitored fire alarms, or smart sensors. Mention yours when quoting. It could lower your home insurance premium.
For a covered claim, you’ll need proof of the covered event, receipts for damaged personal property, and possibly photos. Insurely makes the entire process digital and fast, no drawn-out paperwork loops.
The Water Keeps Coming. Insurely Keeps You Covered
More than half of the 2021 insurance claims in southern Manitoba involved flooded basements. The reason? Overland water meets frozen ground, so the water has nowhere to go but in. The worst part: Most insurance companies don’t cover that by default. With Insurely, optional water damage add-ons are simple to apply, clearly explained, and designed for real-world risk in the province. Know your options. Stay dry and protected with the home insurance Manitoba homeowners have learnt to trust.
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.