Home insurance protects the structure of your house, your belongings and your personal liability. In Canada, water damage is now one of the most common and costly claim types, and standard policies do not automatically include sewer backup or overland flood. Instasure explains the endorsements that matter in your province and connects you with a licensed advisor to compare insurers.
Home, condo & tenant
10 min read
Updated Oct 3, 2026
Average Home Insurance Cost in Canada by Province and City
Instasure's model puts typical home insurance at about $92 to $154 a month across the provinces for one example house, as of October 2026. Here's the full province and city table, why Alberta tops it, and the changes that lower your own premium.
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