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PC home insurance has you covered in Calgary

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The benefits of PC Home Insurance

Calgary is known for being one of the most livable cities in Canada. As a thriving city surrounded by nature, it’s easy to see why it can be such a desirable place to own property. The city does have long winters and unpredictable weather patterns, though, so whether you’re buying a new house or you’ve already paid off the mortgage, you need a comprehensive home insurance policy.

At PC insurance, we’ll help you find the best rates we can and options for your situation by comparing quotes from multiple insurance companies. And if you ever do need to make a claim, we’re here 24/7 to provide support.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

Visit for details and full store list.

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Which home insurance companies does PC insurance work with in Calgary?

In order to provide you with the best options based on your personal needs and situation, PC Insurance compare quotes from the following insurance companies in Calgary:

Aviva insurancePafco insurancePembridge insuranceEconomical insuranceTravellers insuranceZenith insuranceIntact insurance

What is homeowners insurance and how is it different from home insurance?

While they’re often used interchangeably, home insurance is a blanket term that covers all the different types of property insurance for private residences, including homeowners insurance, tenant insurance, condo insurance, and more.

Homeowners insurance is an insurance policy that provides various coverage, such as your dwelling, possessions, liability claims, and more. However, the depth of coverage varies depending on the type of policy you choose.

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How to Get Home Insurance Quote in Calgary

PC insurance can help you get a quote in minutes, all from the comfort of home. Simply use our free, no-obligation tool and we will compare quotes from multiple insurance companies in Calgary to bring you the coverage you need.

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Why do I need home insurance?

Your house will likely be one of the biggest investments you’ll ever make. It’s also an investment that’s vulnerable to a number of risks, such as fire, water damage, hail storms, and theft. Could you afford to repair your home, or rebuild it if total replacement was required? With a comprehensive home insurance policy, you can feel reassured knowing you have coverage for your home if something unexpected happens.

Is home insurance required in Calgary?

Home insurance is not mandatory in Calgary, but it is still highly recommended. Many banks and mortgage holders will insist that you purchase home insurance before they lend you money.

What does home insurance cover?


From the roof, foundation, flooring, windows, doors and more, your home insurance will help pay for damage done to the physical structure of your home. It also provides coverage for structures that are attached to your house, such as your garage.

Personal Property

Some insurance policies will also help cover your possessions, such as appliances, furniture and electronics, and more. But keep in mind that most insurance companies set limits on certain items, such as jewelry.

Personal Liability

In the event that an incident on your premises causes bodily injury or damage to someone else’s property, you can feel reassured knowing that personal liability coverage is a typical component of many insurance policies. It may provide financial protection from lawsuits and help you avoid paying legal fees out of your own wallet.

Detached Structures

Detached structures such as guest houses, sheds, and gazebos are also usually covered by most home insurance policies.

Additional Living Expenses

Some insurance policies will also cover for your living and maintenance expenses while your home is under repair, such as hotel fees, food bills, and storage costs.

What doesn’t home insurance cover?

Overland Water Coverage

Even though Calgary has had a number of overland floods from heavy rainfalls and rapid snowmelts, you’ll find that standard home insurance policies typically do not provide coverage for it. If overland water is a concern for you, check with a PC broker to see if you are eligible for coverage.

Landslides & earthquakes

Unfortunately, most home insurance policies won’t cover for damage caused by landslides and earthquakes. Luckily, neither is likely to happen in Calgary.


While there are always exceptions, mold damage is usually not covered by home insurance. A mold outbreak is considered a maintenance issue, which you, as the homeowner, are responsible for.

Pest damage

Property damage from termites, ants, moths, and other pests is considered the homeowner’s responsibility. Consider hiring a pest control company if you notice pests around your premises.

Frozen water pipes

Standard home insurance policies may cover water damage from frozen pipes if you can show your insurers that you are not at fault.

If you’re heading out of your home for an extended period of time, make sure you shut off your water supply and drain the pipes, or have someone come in to inspect them while you’re gone. If your insurer can prove that a homeowner has displayed negligence that has caused an incident, the repair fees will be coming out of your own pocket.

Wear & tear

Similarly, home insurance policies will not cover for wear and tear, which are damages insurance companies consider to be preventable with consistent care and maintenance.

How much does home insurance cost in Calgary?

The cost of home insurance in Calgary can vary dependent on a variety of factors that need to be considered to come up with an accurate figure for you.

What are those factors that affect the cost of home insurance?

Where you live

Your neighbourhood has a big impact on the price you pay for your home insurance, as insurers take into consideration the frequency, type and cost of claims in your area to assess the risk of insuring you.

Replacement cost of your home

Insurance companies consider how much it would cost to restore your home from the ground up. This refers to the concept of rebuilding your home and is not necessarily related to you mortgage or your home’s market value.

Age and condition of your roof

Considering how unpredictable Calgary’s weather can be, insurance companies prefer to see newer roofs on homes as they are less likely to need repairs. If your roof is coming to the end of its service life (typically 15 to 20 years) then you may want to consider having it replaced.

Type of policy you choose (comprehensive, broad, named perils, no frills)

There are several different types of home insurance policies to choose from, and your choice would largely depend upon your home and the type coverage you’re looking for. Generally, you can expect the cost to increase relative to the amount of coverage that you choose.

Condition of your heating, plumbing, electrical systems

Since old or faulty wiring may be a cause of fire, insurance companies may check the state of your home systems before setting out your premium.

Distance from a fire hydrant/fire station

While fire hydrants are plentiful in Calgary, your home’s distance from the local fire department is also used to determine your insurance premium.

Your claims history

In order to determine your annual premium, insurers will look at your personal claims history to predict how likely it is for you to file a future claim. Homeowners with good track records will likely pay lower premiums than those with a long history of claims.

Additional coverage

Your insurance company may offer additional coverage options for valuables that aren’t protected by standard home insurance policies. Since the specific perils covered vary from one insurance company to another, it’s best you contact them directly for more info.

How can I get cheaper home insurance?

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Bundle insurance policies

Many insurance companies offer discounts for those who bundle home and auto insurance together. Get the best value for your money by bundling with PC insurance – you can earn up to a 15% discount by using the same company!

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Compare quotes

Shopping around for quotes may be tedious, but it’s one of the most effective ways to help save on your home insurance rates. Thankfully, you don’t need to go through that hassle with PC insurance, as our brokers compare quotes and bring you the best available rates they can find for your situation.

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Install an alarm system

It’s widely recommended that homeowners install an active security system on their property. By doing so, you could receive a discount on your home insurance premium.

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Pay a higher deductible

This is one of the most common tactics to reduce your monthly insurance premiums. A deductible is the amount you have to pay in the event of an insurance claim. If you increase this amount, your premiums will go down in exchange. Just make sure you always have enough in your emergency savings to handle that higher deductible.

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How do home insurance claims work?

In the event of property damage or theft, speak to a PC insurance claims advisor, available 24/7 at 1-877-251-8656. Your claims advisor will help you sort through the incident and help with your immediate needs such as temporary accommodations, facilitating repairs and replacing damaged property. Simply make sure to have basic information on hand, such as name, phone number, home address and postal code, date and details of the loss on hand. A claims professional will provide you with information about your coverage, details on damage, vendor recommendations, repair status, accommodation details, liability, deductible status and claim payments and will keep you up to date on the status of your claim.

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Can home insurance companies deny coverage in Calgary?

Insurance companies are under no obligation to approve any applications you submit for coverage. They will evaluate you and your home and will either approve or decline based on the risk category you fall into. Some of the more common reasons include poor claims history, missed payments, insurance gaps, high risk location, and the build quality of your home.