Get a Home Insurance Quote in Winnipeg
Located near the longitudinal center of North America, Winnipeg is also the site of the confluence of the Red and Assiniboine Rivers. Although Winnipeg is not susceptible to strong earthquakes that can be found in British Columbia or tornadoes that persist in southern Manitoba, flooding is a real risk in the Manitoban capital. Occupying the bottom of the Red River Valley, Winnipeg has a floodplain with a flat topography, so its important for Winnipeg homeowners to implement basic flood prevention measures for peace of mind. Winnipeggers can avail of overland water protection through MIG as an add on to their home insurance policy.
MIG Insurance is proud to offer a range of flexible home insurance coverage options to give you peace of mind, wherever in “Winterpeg” you call home. Below you’ll find more information on home insurance in Winnipeg, as well as how MIG can help you find the perfect coverage for your needs.
10 Fun Facts About Winnipeg
- Winnipeg is the geographical center of North America.
- There are 730,018 people living in Winnipeg according to the 2011 census.
- The whole city is covered in snow 132 days of the year.
- The coldest temperature ever recorded in Winnipeg was -47.8C in December 1879. For a long time Winnipeg was the coldest city in the world with a population of 600,000 or more.
- Winnipeg averages 27 thunderstorms per year.
- Winnipeg has been called the Windy City but this is incorrect. It is the 12th windiest city in Canada. Hamilton is first.
- Winnipeg was the first city in the world to develop the 911 emergency number.
- The Winnipeg Art Gallery has the biggest collection of contemporary Inuit art in the world.
- Winnipeg Jets sell more merchandise than any NHL team per capita, although they have the smallest fan base.
- The longest skating rink in the world that freezes naturally is found in Winnipeg, taking you along the Red and Assiniboine Rivers over a length of 8.5 kilometers.
Get a Home Insurance Quote in Winnipeg
The MIG Insurance process to getting home insurance is VERY simple.
- Determine what type of insurance you need
- Determine what type of coverage you need
- Receive your insurance policy
Getting a quote online is free and takes just a few minutes. We have simplified everything because we understand your time is valuable and want the quickest results possible.
Home Insurance Policy Types
For property you own, there are two main types of home insurance policies: broad-form and comprehensive. Depending on where you live (whether it’s a home, condominium, mobile home or seasonal property), coverage options will vary. Property you rent will be covered under renters insurance.
Broad policies provide all risk coverage for your home and only named perils coverage for your contents. This means that coverage would not be available for accidental loss or damage caused to your contents. Comprehensive policies provide all risk coverage on both the home and your contents. Accidental loss or damage would be covered on your contents under a comprehensive policy.
Winnipeg Home Insurance Coverage
Home insurance is for anyone who owns their home. It protects your home and possessions against burglaries, fire, water damage and most unforeseen circumstances. In addition to protecting your belongings, home insurance includes liability coverage that protects you against negligent acts that may occur either in, or away from, your home.
The available coverage is fairly straightforward, but depending on your particular situation, some areas may be more important than others.
Your home and all other structures will be replaced at their total value, should you suffer a complete loss. MIG has the tools and advisors you need to walk you through the evaluation process, and to be sure that your home and all additional structures will be replaced at their total value.
Personal Property Protection
Your belongings are likely worth more than you think. Having the right insurance will insure these belongings against whatever it may cost to replace them, should you suffer a partial or total loss. Personal property limits are usually calculated as a percentage of the value of the home. If your personal property exceeds this limit, additional coverage will be needed.
One of the most important (and often overlooked) benefits of home insurance is the liability coverage that you have at home and which follows you when you’re away. Should an accident occur on your property that results in damages to someone else or to a neighbouring property, liability coverage covers you for repair and medical expenses. Or, if you’re outside your home and accidentally cause damage to someone else’s property, you’re personally covered if you are deemed liable.
If your space can’t be occupied because of damage from a loss, living expenses coverage will cover the cost of alternative living arrangements, even the cost of meals while you get back on your feet.
Sewer, Water Damage & Flood Coverage
Depending where you live, your enjoyment of the spring season can be accompanied by anxiety about potential flooding. If you have questions, our team is here to help. We can work with you to assess what type of additional coverage you may need. When you’re fully insured, you can stop worrying about the implications of rising water levels and quickly get back to enjoying the warmer temperatures.
Making a Home Insurance Claim in Winnipeg
Now for the most important part of your home insurance policy: making a claim. Many Winnipeggers think that some insurance providers try to make it difficult to open claims and try to worm their way out of paying claims. Instead of being a middle-man who just sells home insurance, we have made it our goal to give you the knowledge and tools to make buying home insurance in Winnipeg simple.
Simple claims process: At MIG, we make navigating through the claims process as easy as possible. When the worse things happens, reach out to us in the way it makes most sense to you – we will be here for you. We’ll let you know exactly what supporting documentation you might need to provide as we work through the claims process.
Fast response times: Completing your claims form online can save you time because it means we’ll have the initial information and can get to work right away. We’ll give you a call on the next business day and work with you through the next steps. Remember to keep your supporting documents close to hand.
We help you every step of the way: Our goal is to process your claim as quickly as possible. At each step, our aim is to help you move closer to a conclusion. We will be in touch at regular intervals to keep you updated on the claim progress, and to give you the opportunity to ask any questions you may have.
Get Your Winnipeg Home Insurance Quote Now
Get your free Winnipeg home insurance quote online now, or call 204-809-9813 for a phone quote. Simply provide some basic details about yourself, your home’s characteristics and your coverage profile, and you’ll have your quote in no time.
Our Winnipeg Insurance Locations
With four locations in Winnipeg, MIG Insurance is in your community and ready to work with you. Find a Winnipeg MIG Insurance broker location near you.