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Manitoba Home Insurance

Multiple Home Insurance Quotes + A Real Person To Help You Along The Way

Bundle Your Home & Auto To Save up to 25%!

Home insurance = peace of mind 

Manitoba is nestled between Ontario and Saskatchewan with a population of almost 1.4 million people. This province has a remarkable landscape of lakes and rivers, mountains and forests and boasts more than 80 provincial parks (where most of the wilderness is protected) for those who enjoy being active outdoors. There is much to do in Manitoba, but brace yourself for the cold, harsh winters! Manitoba's economy relies heavily on agriculture, tourism, electricity, oil, mining, and forestry. Agriculture is vital and is found mostly in the southern half of the prairie province. Manitoba has a big military presence with most bases located in Winnipeg. The top 5 cities to live in Manitoba are Winnipeg, Brandon, Steinbach, Thompson and Portage la Prairie. 

Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting homeowners insurance to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that.

Comparing rates from Canada’s leading Home insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage We Provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Liability Coverage
This would provide protection against claims resulting from injuries, and damage to people and/or property.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Sewer Backup, Overland/Ground Water
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Scheduled Items
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
Comprehensive Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Broad Coverage
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)

Home Insurance In Manitoba

Just as we compare Canada's elite insurance providers to find you the cheapest home insurance rate, we do likewise with car insurance. When you bundle your services, you can save up to 25%!

Your licensed Insurance Advisor has your best interests at heart, so when we are able to combine the best pair of quotes to get you the best rate we do it - even if it's with two different insurance companies!

We provide you affordable home insurance to look after the bricks and mortar part of your home, as well as your personal possessions inside. You can get online home insurance to protect against fire, fixes as well as repairs.

You can be covered from inclement weather such as wind, hail and lightning. Our coverage also extends to protect your valuables from theft.

In Canada, your claims history follows you, not the home. If you've had home insurance claims in previous houses, they must also be disclosed. Be prepared to disclose at least the previous 10 years.

As Manitoba's home Insurance Marketplace, Surex has partnered with the best home insurers in the Province so you can choose the most ideal home policy for you, from a reputable insurer.

Working with the top home insurers in Manitoba, we want you to be able to have the exact home insurance policy you want and need. Customize your home insurance policy to give you peace of mind that you and your family are properly covered in the event of a home insurance claim.

Things to do in Manitoba
  1. Riding Mountain National Park
  2. The Forks
  3. Canadian Museum for Human Rights
Manitoba: Provincial Symbols
  1. Flower: Prairie crocus
  2. Animal: Bison
  3. Bird: Great Grey Owl
What Native Languages in Manitoba?
  1. nihi`wawinCree
  2. Ojibwe
  3. Dakota

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Licensed Insurance Advisor

Have questions? We’ve got answers:

Homeowners insurance protects you and your home in the event of a home insurance claim. If you didn’t have homeowners insurance, then you would be held 100% responsible for any damages or loss.

If you’re actively paying off your home’s mortgage or loan, there is an extremely high chance that homeowners insurance is required, as per your mortgage contract.

The amount you pay for homeowners insurance is dictated by a few things:

  • The amount of home insurance coverage you choose to have

  • The potential, replacement cost of your home

  • Home insurance data, specific to your area (city and province)

  • Your personal home insurance claims history (if you’ve had multiple prior home insurance claims, expect to pay more compared to someone that has a clean home insurance claims history)

You’re at the exact right spot to get your home insurance! As soon as you start a quote on our online home insurance marketplace, you’ll be assigned a Surex Personal Insurance Advisor (aka Assistant) to help you complete and set up your home insurance policy.

The home insurance industry in Manitoba is regulated by the Insurance Council of Manitoba (ICM). The ICM establishes professional business standards and sales practice, as well as regulates and approves rate changes. They also provide professional development and news updates for insurance agents and adjusters and work with homeowners in aiding them in their search for licensed agents and providing information on how to work with them.

Here are a few things you can do to lower your home insurance premiums:

  • Stay safe and install a security system
  • Change your premium payments to annually rather than monthly
  • Buying a new, or newer, home can help
  • Review and revise what you need to purchase (ie. You may need overland flooding protection, but not tornado insurance)
  • Increase the deductible
  • Bundle to save and only make one payment!
  • Compare prices and shop around for the best rate

When it comes to home insurance, every province has its own risk factors and unfortunately, Manitoba has quite a few to take into consideration:


Wildfires are a big risk because they can start anywhere in the province. In the past, they have started in the northern part of the province (Red Lake area) whereas others have happened further south of the province, making them very unpredictable.

Regions that are at the highest risk of seeing wildfires are the southern parts of Manitoba because of the region's vast grasslands, thus exposing them to more forest fires during the summer months. But, according to the provincial government, the entire province is considered at-risk for forest fires.


The province sits on what the University of Winnipeg calls the 'northern end of Tornado Alley' which starts at the Gulf of Mexico, so tornadoes are an environmental risk factor to take into serious consideration. Manitoba has, on average, seen 7-10 tornadoes a year and most of them tend to land in the southern parts of the province.

Regions that are at the highest risk of seeing a tornado are the communities in southern Manitoba - starting roughly around the City of Dauphin and straight down to Winnipeg.

Overland flooding

Manitoba suffers from overland flooding, especially from the flood-prone Red River, that affects basements, foundations, sewage systems and farmland. The Red River, which has flooded multiple times since 1826, flows north from Minnesota and empties into Lake Winnipeg.

Regions that are at the highest risk are all the communities that sit along the bank of the Red River and should, unfortunately, prepare for annual flooding.

These are the 4 main types of policies available to homeowners in Manitoba:

Comprehensive: This provides risk coverage for your home and its content, as well as any accidental damage.

Basic: This coverage only protects your home against perils, such as fire, lightning, smoke damage etc....but only specific ones that are named in your policy.

Broad: This provides all-risk coverage for your home, only named perils coverage for the contents of your home, and no coverage for accidental damage to your contents.

No Frills: This policy is one that is recommended for homes that do not meet underwriting standards (normal insurance standards). An example would be a home with significant structural issues.

You can also get optional coverage, referred to as an endorsement, that would cover other risk factors that may affect your area. For example, in Manitoba, homeowners can purchase extended water coverage which would insure against any water damage or sewer backup due to an overflow from an outside drain or sewer. This type of optional coverage is also available for other risks such as tornadoes and overland flooding. Check with your dedicated insurance advisor to see what you may need to properly protect your home.

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