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Compare and purchase the best home insurance rates in Newfoundland and Labrador.

Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.

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Types of coverage we provide

Liability Coverage
Liability Coverage

Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.

Home Insurance
Home Insurance

This provides coverage for loss and damage to your property and/or any assets.

Deductible
Deductible

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
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
Claims Forgiveness

This allows for the protection of your “claims-free discount” in the event of your first claim.

Scheduled Items
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 Insurance Coverage
Comprehensive Insurance Coverage

When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.

Broad Coverage
Broad Coverage

When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)

Comparing rates from Canada's leading Insurance Providers

Our Reviews

Barbara Elliott
5
I've always had service handled in a…

I've always had service handled in a good time frame. Changes for any vehicle paperwork has been done immediately.
I've never had a claim, so I can't comment on any handling in that nature.

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Trustpilot
Michael Davies
5
Jessica - home and auto
Jessica has been nothing short of phenomenal throughout our insurance journey. As a long-time client for my auto insurance, I always appreciated her responsiveness and expertise — but when we became first-time homebuyers, she truly went above and beyond. Not only did she secure us an exceptional rate on our new home insurance, but she also managed to lower our existing auto insurance, saving us money at a time when every dollar counted. Her knowledge, attention to detail, and proactive approach made the entire process seamless and stress-free. What really sets Jessica apart is her unwavering dedication, especially during tough times. When we tragically lost a home, she handled everything with compassion, professionalism, and speed — guiding us through the claims process with care and clarity. And when we were ready to start fresh with a new home, she didn’t miss a beat. She started from scratch, made sure we were fully covered, and continued to support us every step of the way. Jessica isn’t just an insurance broker — she’s a trusted advisor, a fierce advocate, and a true partner in protecting your life and your future. I can’t recommend her highly enough. If you want someone who genuinely cares, acts with integrity, and delivers outstanding results, look no further. Thank you, Jessica — we’re so grateful to have you on our side!
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Trustpilot
Lubov Obasi
5
I had great experience with Surex agent…

I had great experience with Surex agent when I needed to change my insurance policy quickly to accomodate my needs.
They were able to act fast as I requested and I appreciate it very much.
Great job!

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Trustpilot
Grace McMahon
4
Nick is a great agent !
Nick is a great agent and is extremely knowledgeable and helpful for me as a first time home insurance buyer. He made the entire process of getting set up and going through my first few payments smooth and efficient. Any time I had any questions he responded to my text/call within 24 hrs!
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Line & Gary
5
We always get a prompt response from Jason
We always get a prompt response from Jason or one of his teammates. Our needs get resolved quickly and efficiently.we are very please with the service we get from Surex.
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Trustpilot

Newfoundland home insurance rates vs. other provinces

Newfoundland & Labrador is in the top of the most affordable provinces to purchase a home in. Insurance however is on the higher end. Also being on the east coast there can be a lot of active weather. Make sure you have the right coverage at the right price. Start a free quote with us today and find out.

Province

Average Rates

Newfoundland & Labrador  

$2,513

Alberta  

$2,304

Ontario  

$1,797

Nova Scotia 

 $2,788

New Brunswick  

$2,402

Prince Edward Island  

$1,145

Manitoba 

 $1,335

British Columbia 

 $2,389

Yukon 

$1830

Nunavut  

$3,516

Saskatchewan  

$1,873

Northwest Territories 

 $3,367

See how our customers save big on home insurance

At Surex, we’re dedicated to helping you find the right insurance for the best price. We do all the heavy lifting for you, so you can be sure you’re getting the lowest possible rate. Check out how we’ve helped these Newfoundland & Labrador homeowners save on home insurance.

Customer

City

Type

Average Rate

Lowest Rate

Savings

Aya

Mount Pearl

Townhouse

$1,505

$997

$826

Marloie

St. John's

Detached

$3,124

$2,745

$379

Rob

Conception Bay South

Townhouse

$2,555

$1,895

$659

Compare 10+ quotes and

speak to a dedicated advisor

Nima Maham

National Coordinator of Professional Development

Nima

Surex insurance tips & advice

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