Home Insurance
Right Where You Live
Get protected with fast quotes and personalized support from Alberta-based experts.
-
Fast quotes
-
Local Support
-
Tailored Coverage
Home coverage
Reliable Home Coverage
Protect your home, your family, and everything under your roof—with coverage tailored for Alberta living.
Why Choose Millennium for Your Home Coverage?
From burst pipes to basement floods, our local claims experts live where you do, ready to respond fast and keep life moving. Get personalized home insurance backed by people who understand Alberta homes.
- Personalized coverage
- Local claims support
- Fast, no-obligation quotes
Why Choose Millennium for Your Home Coverage?
Your home is more than just a building, it’s your safe space, your investment, and where life happens. That’s why our home insurance goes beyond the basics to offer tailored protection that fits your lifestyle and needs.
Local Experts Who Understand Alberta Living
-
Rooted in Your Community. Ready When You Need Us.
Our local claims experts live and work in your communities and will help you get back to normal. When you’re protected by Millennium, weather risks and unexpected damage become manageable and not overwhelming. We’re here to keep you secure, prepared, and supported.
Right Coverages Built for Your Home
-
Protection for What Matters Most To You.
At Millennium Insurance, we tailor your home protection to fit your family’s needs. Your home, your valuables, and even the belongings you keep in your vehicle are all covered with care.
Unlock Discounts by Bundling Policies
-
Multi-Policy Options Built for Property Owners.
Combine your home insurance with auto policies to unlock added savings. Get everything covered in one place with flexible plans designed to suit your budget and lifestyle.
Why Choose Millennium for Your Home Coverage?
From burst pipes to basement floods, our local claims experts live where you do—ready to respond fast and keep life moving. Get personalized home insurance backed by people who understand Alberta homes.
Trusted Coverage
Reliable Home Insurance to Protect What Matters Most
Your home is more than just a building, it’s your safe space, your investment, and where life happens. That’s why our home insurance goes beyond the basics to offer tailored protection that fits your lifestyle and needs.
Whether you own a house, condo, or seasonal property, we work with leading insurers to find coverage that protects your home, your belongings, and your peace of mind. With 24/7 claims support and options like bundle discounts and add-on protection, you can feel confident knowing you're covered inside and out.
FIND OUT MORE
How does Home insurance work?
Home insurance is designed to protect one of your biggest investments from life’s unexpected events, like fires, floods, theft, or liability claims. Whether you're a new homeowner or looking to update your policy, getting adequate coverage helps ensure you’re not left with unexpected bills.
What Does Home Insurance Cover?
Home insurance typically covers damage to your home’s structure, personal belongings, and detached structures.
It can also provide:
-
Liability protection if you cause unintentional damage or injury
-
Additional living expenses while your home is being repaired
-
Options for water damage, identity theft & more
-
Add-ons for high-value items such as jewellery
Why Is It Important?
Your home is likely one of your most valuable assets. Home insurance gives you peace of mind and can also meet lender requirement for mortgages.
It helps you:
-
Protect your belongings and property
-
Avoid out-of-pocket repair costs subject to coverage deductible
-
Meet legal or mortgage obligations
-
Secure financial protection in liability claims
Comprehensive Coverage
Explore essential coverages that protect your home, belongings, and everything that matters inside and out.
Dwelling Protection
Covers the physical structure of your home, including the foundation, roof, walls, and any permanently attached fixtures. It also includes structures connected to your home such as attached garages, porches, and decks. This coverage ensures repairs or full rebuilds are taken care of following events like fire, lightning, explosion, windstorm, hail, or falling objects.
Detached Structures
Provides protection for buildings and structures on your property that are not physically attached to your home. This includes detached garages, storage sheds, fences, gazebos, and even driveways and patios.
Personal Property
Covers personal belongings like furniture, electronics, clothing, and appliances from damage or theft, whether they’re in your home, or temporarily with you while travelling.
Additional Living Expenses
If a covered loss makes your home uninhabitable, ALE covers increased out of pocket expenses such as hotel stays, temporary rentals, meals, and moving expenses. This lets you focus on recovery, not the logistics.
Personal Liability Coverage
Protects you financially if you're held legally responsible for unintentionally causing bodily injury or property damage to someone else, at home or anywhere in the world. Includes legal defence costs and settlements up to your chosen limit.
Interior Water Damage
Provides coverage for sudden and accidental water-related incidents, such as burst pipes, overflowing sinks, or malfunctioning appliances like washing machines or dishwashers.
Optional Coverages
Expand your protection with optional coverage designed for Alberta’s unique risks and lifestyles.
Comprehensive Coverage
Our standard coverage provides a strong foundation for your home protection, with options to build further based on your needs.
Covers the physical structure of your home—including the foundation, roof, walls, and any permanently attached fixtures. It also includes structures connected to your home such as attached garages, porches, and decks.
This coverage ensures repairs or full rebuilds are taken care of following events like fire, lightning, explosion, windstorm, hail, or falling objects.
Provides protection for buildings and structures on your property that are not physically attached to your home. This includes detached garages, storage sheds, fences, gazebos, and even driveways and patios.
Covers personal belongings like furniture, electronics, clothing, and appliances from damage or theft—whether they’re in your home, in storage, or temporarily with you while travelling.
You can also choose Replacement Cost coverage, which allows you to replace items at today’s prices without depreciation.
If a covered loss makes your home uninhabitable, ALE covers increased costs such as hotel stays, temporary rentals, meals, moving expenses, and even loss of rental income. This lets you focus on recovery, not the logistics.
Protects you financially if you're held legally responsible for unintentionally causing bodily injury or property damage to someone else, at home or anywhere in the world. Includes legal defence costs and settlements up to your chosen limit.
Provides coverage for sudden and accidental water-related incidents, such as burst pipes, overflowing sinks, or malfunctioning appliances like washing machines or dishwashers.
Optional Coverages
Expand your protection with optional coverage designed for Alberta’s unique risks and lifestyles.
Sewer backup coverage protects your property if sewage or a sump pump backs up into your home subject to coverage limit.
Enhanced Water Damage coverage safeguards against damage caused by overland water events such as heavy rainfall, melting snow, or overflowing rivers subject to coverage limit.
We also offer service line coverage, which covers against loss or damage arising from service line failure. This would include cost of excavation and landscaping subject to coverage limits.
In today’s digital world, protection goes beyond physical property. Identity theft insurance helps reimburse you for expenses related to recovering your identity, replacing documents, and managing your credit subject to coverage limit.
If you own high-value items like jewelry, fine art, collectibles, or sports gear, scheduled article coverage allows you to protect them beyond the limits of standard policies. This ensures full-value reimbursement should those items be lost, stolen, or damaged.
If your home will be unoccupied for 30 days or more—whether due to moving, renovations, or seasonal use—this coverage ensures your home remains protected during that time.
We've got answers
Frequently asked questions
Items stolen from your car, such as bags, electronics, or tools, are not covered by your auto insurance unless they are permanently attached. This type of loss is typically covered under your home insurance policy through Personal Property coverage, depending on your policy details and limits.
When it comes to your home insurance premium, there’s no one-size-fits-all number. Your rate is calculated based on a variety of details that help insurers assess the risk associated with your property. At Millennium, we work to make sure you understand what’s behind your rate, that you receive any eligible discounts, and that you’re aware of ways to reduce your premium where possible.
Here are some of the main factors that influence your home insurance rate:
Home Replacement Value
This refers to how much it would cost to rebuild your home using similar materials, workmanship, and design—not its market value.Coverage Type and Deductible
Your policy’s coverage limits, add-ons, and chosen deductible all play a role in your rate. More comprehensive coverage generally comes with a higher premium.Location Risk
Where your home is located impacts your insurance. Areas more prone to break-ins, sewer backups, wildfires, or with limited fire protection can see higher premiums.Home Age and Condition
Newer homes often benefit from lower rates due to reduced risk. For older homes (25+ years), insurers look at major updates such as roof replacement, plumbing upgrades, or electrical improvements.Home Style and Construction
Detached houses, duplexes, row homes, and apartment buildings all carry different insurance risks based on layout, materials, and building type.Heating Systems
Homes heated by natural gas, or electricity are evaluated differently from those using wood-burning stoves or fireplaces, which carry higher fire risk.Climate Exposure
With extreme weather events becoming more frequent across Canada, homes in these areas may face increased premiums or specific coverage requirements.
Yes. Your Millennium Insurance policy covers theft of personal property subject to the deductible.
Mature Customer
If you're 35 or older, you may qualify for additional savings on your home insurance.
Claims-Free History
If you have not had any recent claims, you may qualify for additional savings.
Monitored Alarm System
A centrally monitored alarm can reduce your premium while keeping your home safer.
Multi-Line Discount
Bundle your home and auto insurance to save more.
Things like jewelry, cameras, and bicycles can be expensive. At Millennium you can purchase additional insurance to increase the limits. In the event of damage, destruction or loss, Millennium Insurance’s team of experts will help make sure your Scheduled Items are covered subject to coverage deductible.