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www.Alberta-Insurance.com
Koester Insurance ServicesPrivately owned & operated · Licensed in Alberta

Home Insurance · Edmonton, AB

Your home deserves real protection

As an independent broker, we shop multiple companies to find the coverage that fits your home, your family, and your budget.

Get a Free QuoteTalk to an advisor
Independent brokerWe check with multiple companies to find your best fit
Edmonton residential home — home insurance coverage
IndependentWe work for you, not the insurer
Multiple CompaniesWe shop around so you don't have to
60+ YearsServing Edmonton families
AlbertaLicensed & locally based

What's Covered

Coverage built for Alberta homeowners

A standard home insurance policy covers more than you might think. Here's what a typical policy from our insurer partners includes.

Dwelling & Structure

Covers the physical structure of your home — walls, roof, foundation, and attached structures like a garage — against fire, wind, hail, and more.

Personal Property

Your furniture, electronics, clothing, and valuables are covered if they're stolen or damaged by a covered event, whether at home or away.

Personal Liability

If someone is injured on your property or you accidentally damage someone else's property, liability coverage helps pay for legal costs and damages.

Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, we'll help cover the cost of temporary accommodation, meals, and other living expenses.

Detached Structures

Fences, sheds, detached garages, and other structures on your property are typically covered under your home insurance policy.

Water & Sewer Backup

Optional add-on coverage for water damage caused by sewer backup or overland flooding — increasingly important in Alberta.

Why Choose Koester

An independent broker on your side

Unlike dealing directly with an insurance company, we work for you. We compare options, explain the fine print, and advocate for you when you need to make a claim.

  • We compare options from multiple insurance companies
  • No pressure — we explain your options clearly
  • Edmonton-based team who understands Alberta risks
  • We help you understand what you're actually covered for
  • Support when you need to make a claim
  • Over 60 years of experience in the Alberta market

Common Questions

Home insurance questions, answered

Still have questions? We're happy to walk you through anything.

Contact us with your question

Home insurance isn't legally required in Alberta, but your mortgage lender will almost certainly require it. Even without a mortgage, it's one of the most important protections you can have for your largest asset.

Standard policies generally exclude overland flooding, earthquakes, and normal wear and tear. Some of these can be added as optional endorsements — ask us about what makes sense for your situation.

If you rent, you need tenant's insurance (also called renter's insurance) rather than home insurance. It covers your personal belongings and liability, but not the building itself — that's your landlord's responsibility.

Insurers consider the replacement cost of your home, your location, the age and condition of your home, your claims history, and the coverage options you choose. As an independent broker, we compare options to find you the best value.

Replacement cost coverage pays to rebuild or replace your home and belongings at today's prices. Actual cash value deducts depreciation. Replacement cost is almost always the better choice — we'll explain the difference clearly.

Free Quote · No Obligation

Ready to protect your home?

Get a free, no-obligation home insurance quote. We'll compare options and explain everything clearly — no jargon, no pressure.

Get a Free QuoteTalk to an advisor