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.
Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
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.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Our Reviews
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.
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!
Newfoundland home insurance rates vs. other provinces
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
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
National Coordinator of Professional Development
Surex insurance tips & advice
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.