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R.A. Hughes Insurance

Home Insurance Winnipeg

Ensure your home is protected with our comprehensive home insurance coverage in Winnipeg.
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Looking for a home insurance policy in Winnipeg? R.A. Hughes Agencies can help. Our brokers work with you to find the perfect home insurance policy to protect you and your family. We’re located in Old St. Boniface, in the Dominion Shopping Centre. We’ve been serving the area for almost 100 years—and whether you have a brand new home, an older home from the turn of the century, or a modern infill house, our team can help.
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Why Choose R.A. Hughes?

Experience and trust are two of the things that matter most in the insurance business. R.A. Hughes has been serving St. Boniface and Winnipeg at large for almost 100 years. We know what homeowners in Winnipeg need because we are Winnipeg homeowners—and our agency has been locally owned and operated since 1929.

That history gives us unique insights into the home insurance industry here in Winnipeg. When our brokers offer you home insurance coverage, our recommendations will be based on decades of data about the risks that are most often posed to homes in the area. Our recommendations are also based on a deep sense of community—our customers are our lifeblood, and we’re proud of the ties we’ve established in the city after almost 100 years as a brokerage.

When you choose R.A. Hughes, you’re choosing insurance brokers you can trust; brokers with the experience you need to find the best policy to protect you and your family.
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Coverage Details

Insurance companies offer different policies with different options, but there are some similarities to home insurance policies across Canada. There are three basic types of home insurance policies available:
Comprehensive
Broad
Basic/Named Perils
Almost all home insurance policies in Winnipeg are comprehensive coverage policies. These policies cover your home and personal property against all risks except for risks that are specifically excluded by the policy. These exclusions commonly include flooding, sewer backup, and earthquakes but these can most often be added back on for an additional premium.

Home insurance is property insurance - but it offers so much beyond simple property coverage. The right policy will protect your home, your property, your family, and you. Your home insurance policy in Winnipeg should include:
Coverage for your home and any detached structures (like garages, sheds & fencing)
Coverage for your personal property
Personal liability insurance, which protects you if you are sued due to damage to another person’s property or due to injuries to another person
Additional living expenses, such as living in a hotel if you cannot live in your home due to damage caused by a claim
The levels of coverage you will have for your home, your personal property, your liability coverage, and additional expenses will vary from policy to policy. You can also purchase additional coverages, such as sewer backup.

Cost of Insurance in Manitoba

The cost of home insurance in Manitoba will vary depending on the value of your home, your deductible, the location of your home, the level of coverage you purchase, and several other factors.

On average, residents of Winnipeg pay about $1000 to $1200 a year on their home insurance. At around $83.33 to $100 a month, most homeowners can find affordable coverage by comparing different insurance companies.

Claims Example

Here’s a simple example of how a home insurance claim might work:

Your home is insured for $500,000. There’s a catastrophic fire—the home is damaged beyond repair and must be completely replaced. There is a $2000 deductible on your policy. When you make a claim, if everything is covered, you will be paid $498,000 ($500,000 minus $2000).

This claim example does not include the coverage you would have for your personal property—personal property is covered under a different limit than your home itself. This is an incredibly basic example of how insurance claims work—if you want to make a home insurance claim on a policy sold through R.A. Hughes, visit our office or call us. We can answer any questions you may have.

Get a Quote Today

We can help you find incredible rates on home insurance in Winnipeg—our insurance brokers work with you to find the perfect policy for your needs. Call the brokers at R.A. Hughes Agencies today, or drop by our offices for a quote!
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Secure Your Home Today

Safeguard your biggest investment with our reliable home insurance policies in Winnipeg. Contact us today to get the coverage you need to protect your home and family.

Reliable Coverage:

With our home insurance policies, you can rest easy knowing your home is protected against unforeseen events.

Peace of Mind:

Trust R.A. Hughes Insurance to provide you with the peace of mind you deserve when it comes to protecting your home and loved ones.

Frequently Asked Questions About Home Insurance

How Can I Save on Home Insurance?

There are several ways that you can save on your Winnipeg home insurance policy. They include:

 

  • Using an insurance broker to compare prices between home insurance companies
  • Eliminating unnecessary coverage
  • Increasing your deductible
  • Staying claims-free
  • Securing your home with alarms, smoke detectors, and other security systems
  • Getting discounts for certain home improvements
  • Eliminating liability risks by tending to your home
  • Updating your home’s appliances, roof, and other features
  • And more

 

The insurance brokers at R.A. Hughes can help you find ways of reducing your home insurance costs through upgrades, modifications to your policy, and more.

Does R.A. Hughes Offer Any Optional Coverage?

Basic home insurance simply isn't enough for most homeowners in Winnipeg. Luckily, home insurance policies are highly customizable—you can add coverage to create the right insurance policy for your unique needs. At R.A. Hughes, we offer a wide variety of supplemental and optional coverages. We have several additional insurance options, including:

 

  • Additional coverage for valuables and collectibles
  • Flood coverage
  • Water backup coverage
  • Identity theft coverage
  • Home equipment breakdown coverage
  • And more!

 

The types of coverage you’ll need your home insurance policy to provide you with will depend on several factors, including the value of your home, the activities you do, the possessions you have, where your home is located, and more. The insurance brokers at R.A. Hughes will help you determine which policies and optional coverages are right for your needs.

Is Home Insurance Mandatory in Winnipeg?

Home insurance isn’t required by law. When you have a mortgage on your home, however, your lender will require you to purchase home insurance to protect its stake in your home. Even if you don’t have a mortgage on your home, home insurance is a very good idea. For most Canadians, their homes are their most valuable investment—it’s a good idea to protect them with insurance. We can help you find the right policy for your needs - we've been offering house insurance Winnipeg residents can rely on for almost 100 years.

Experience the R.A. Hughes Advantage

For over 90 years, families and businesses across Manitoba have relied on R.A. Hughes Insurance for comprehensive protection and personalized guidance. As an established local presence, we take pride in building long-lasting relationships founded on trust and a deep understanding of our clients' unique needs. Don't leave your future to chance - partner with our experienced team today.
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