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Property Insurance

Home Insurance

Home Insurance


Home Insurance in Winnipeg or anywhere in Manitoba is available at Gemstar Insurance! Few things in life are as valuable as your home and your possessions. At Gemstar Insurance, your Winnipeg insurance broker, protecting what you own is our specialty. We represent a variety of insurance companies, so we can tailor your home insurance policy to your particular needs. Whether your home is a small single storey house or a multi-level mansion, we have the experience and expertise to make sure your home is fully covered.


For a competitive, no obligation quote on your home insurance, please contact us today.


Tenant's Insurance


I rent an apartment – why do I need tenants' insurance?


It is a common misconception that renters do not need insurance of their own. It could also be a very expensive misconception. Your landlord has a commercial property insurance policy to protect his or her building but you need tenant insurance to protect your personal property.


If there was a fire in your building that affected your suite (think smoke and water damage), or if there was a break-in, your landlord’s interest (the building) would be covered but your personal possessions would not be.


Also, if you were to cause damage to your suite by leaving a tap running while you were out or by starting a fire, your landlord’s insurance company would quickly respond to repair the damage. That company would also pursue you – probably sue you – for the damages you caused. With a tenant’s insurance policy, you would automatically have at least $1 million in liability coverage for such a situation. Your possessions would also be covered for a number of perils, including theft, fire and vandalism. It’s affordable coverage.


contact us today and we can make sure you have all the information you need - to make the right choice!


Do you live in a condo? Moving to one?

  Electronic Cigarette

Anyone who lives in a condo has to have liability insurance to cover them for any property claim they cause by being negligent – it’s clearly stated in your condo association agreement. If you accidently damage the hallway wall while you’re moving, or if you inadvertently leave a tap running and the condo below yours is damaged, your policy will respond to cover the cost of the damages you’ve caused in the event you are sued.


Fortunately, liability coverage isn’t the only benefit of your condo insurance policy. Your personal belongings? The new flooring you installed in your condo? The new window coverings you decided on? They’re covered under this policy as well, under the heading of personal property, and improvements and betterments. Should these contents of your condo be damaged, by fire or smoke for example, your insurance policy would respond to repair and/or replace these items.


If you live in a condo, you have to have it – might as well have the best. Just contact us for a quote.

Cottage Properties

Your home away from home – a treasure!


Whether it’s a vintage trailer that’s been parked at the lake for years, or a beautiful new cottage that you’ve just acquired, you need an insurance policy to protect all the fun and relaxation this property gives you.


Your vacation property is typically part of your home insurance policy, and there are a lot of situations that determine your coverage and your premium. How old is the building? What’s it made of? How far away is the nearest fire hall? Does it have a wood stove? There’s a lot to consider in making sure it’s properly covered, and with our expertise, you can kick back and enjoy it even more, knowing you’ve got the best coverage for it. Don’t let an unexpected event, a summer storm or a break in take away any of the hard-earned pleasure of your vacation property. Talk to us today.

Ready For a Quote?

Wondering what an insurance policy might cost?  Read More

First Time Home Buyers

Thinking about buying your first home or condo?  Read More

Making a Claim?

make a claim at gemstar insuranceEverything you need to know about making an insurance claim so you can get back to normal, quickly and effectively.