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 insurance 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 Winnipeg 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 in Winnipeg you can trust; brokers with the experience you need to find the best policy to protect you and your family.
Dwelling coverage protects the physical structure of your home against insured risks. The coverage limit is normally based on the estimated replacement cost of rebuilding—not the property’s market value. Garages, sheds, fences and other detached structures may be insured under a separate limit.
Personal property coverage helps protect furniture, clothing, electronics and other personal belongings after a covered peril such as fire or theft. Special limits may apply to high-value items including jewellery, artwork, collectibles and bicycles.
Personal liability coverage may help protect you from financial loss if someone is injured on your property or if you unintentionally damage another person’s property. Coverage limits and exclusions vary between insurance companies.
If an insured loss makes your home uninhabitable, your policy may cover reasonable additional living expenses while repairs are completed, subject to the policy’s conditions and limits.
Home insurance costs differ from one property and policyholder to another. Insurance companies consider many factors when calculating home insurance premiums, including:
A higher deductible may produce lower premiums, but it also increases the amount you must pay after a claim. Compare the total coverage, limits and exclusions—not only the monthly premium—when reviewing home insurance rates.
There are several ways that you can save on your Winnipeg home insurance policy. They include:
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.
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:
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.
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.