Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

How do bylaw changes affect my home insurance?

Home Insurance

By Joanne Lemna | June 24, 2016

When Joyce and Dan Bonner came home to their original 1940s cottage-style home in Chestermere, they were shocked to find a tractor-trailer sitting in their front yard. They were even more shocked when they realized that the truck had veered off the TransCanada highway, ploughed through their backyard, entered their living room, and went through their bay window before coming to a stop in their front yard.

Thankfully, the Bonners had home insurance. They never thought they’d need to use it in such a scenario, though!

After the adjuster came and the claim was settled, the Bonners were a little surprised to learn that their insurance provider would pay for everything—clean up tear down and rebuild of their home—except the cost to comply with their town’s updated bylaws. Turns out a lot had changed in the more than 50 years since their home had been built. It would take at least $10,000 for the home to be rebuilt to comply with the new bylaws and building codes.

As a homeowner, we don’t often think about bylaws and building codes – unless we’re planning a renovation or addition. If your home is newer, you won’t have much to worry about for now. But if your home is older or you’re planning to stay in your home for a while, you may want to get bylaw coverage for your home insurance.

How do bylaws affect rebuilding or repairing my home?

When you build or undertake a construction project, you have to follow the rules. These bylaws or building codes are implemented to improve safety, longevity and the environmental impact of buildings.

What is bylaw coverage?

Bylaw coverage helps cover the additional costs to bring your home up to code or to meet current bylaws if you have a covered claim. You may need to upgrade materials or change the design. This can be expensive and won’t be accounted for in the replacement cost of your home. Without bylaw coverage, you’ll need to cover the difference.

How do I get bylaw coverage?

Most home insurers now offer bylaw coverage. Some of them even include it as part of their standard home insurance. If you’re not sure if you have this coverage, you should check your policy documents and speak to your broker.

If you don’t have bylaw coverage, your broker can add it to your policy if it’s offered by your insurance company. It may come at a small additional cost. If your insurer doesn’t offer this coverage, you may want to look at a different home insurance provider.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.