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Do You Need Home Insurance If You Live Off-Grid? (Yes, And Here’s Why)

Updated: Jul 27

Living off-grid doesn’t mean skipping insurance. Learn why home coverage is still important in remote areas and how to get it.


Many Canadians live off-grid by choice or necessity — especially in northern or Indigenous communities. But do you still need home insurance? In short: yes.


Even if you built your own cabin, use solar power, and live far from town, your home is still vulnerable to:

  • Fires (especially in forested zones)

  • Storm damage

  • Theft or vandalism

  • Liability if someone is injured on your property


 But Isn’t It Hard to Get?


Yes many insurers won’t cover homes:

  • Without municipal services

  • Heated by wood stoves only

  • With DIY construction

But some will. RemoteQuote connects you with brokers who understand rural and off-grid living.


 Your Next Step:


Use our quick form to request a quote from a real broker who understands off-grid homes and remote life.



Eye-level view of a broker discussing insurance options with a client
Broker discussing insurance options with a client

 
 
 

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