Do You Know If You're Covered?
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Protecting What Matters Most
When the unexpected happens, you can count on us.
We know how important your home and personal belongings are to you and your family. So it's comforting to know that if the unexpected happens, Acera Insurance will be there for you to help set things right.
Get StartedFoundational Coverage
What Does Home Insurance Cover?
Physical Damage
Protection against damage to the structure of your home from covered perils such as fire, windstorms, hail, and more. Covers your house, garage, deck, fences, and other structures on your property.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — whether they're damaged inside your home or even while travelling. Replacement cost policies ensure you can buy new.
Personal Liability
If someone is injured on your property or you accidentally cause damage to someone else's property, liability coverage helps pay for legal costs and damages so you're not out of pocket.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living costs — like a hotel, meals, and other essentials — while repairs are underway.
We do it all
Your Guide to Home Insurance
Every home is different. Fortunately, home insurance is very customizable to your needs. Your Acera Insurance advisor will guide you through the coverage and create a custom solution that suits your budget, location and home.
Things to consider when purchasing your policy:
01
Rebuild & Replace
Understand the cost to rebuild your house and replace your belongings so your coverage reflects true value — not just market price.
02
Valuables & Collections
High-value items like jewellery, art, boats, or collectibles may need additional coverage beyond a standard policy.
03
Safety Features
Security systems, smoke detectors, and water leak sensors can reduce your premiums and protect your home from preventable damage.
04
Local Risks
Western Canada faces unique risks — hailstorms, flooding, and prairie windstorms. Make sure your policy accounts for the hazards where you live.
05
Risk Management
Proactive steps like regular maintenance, proper drainage, and tree trimming can lower your risk and keep your premiums manageable.
Ready to Protect Your Home?
Get a free, no-obligation quote from a local Acera Insurance advisor who knows Western Canada inside and out.
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