To get affordable home insurance in Calgary, start by assessing your coverage needs based on the value of your home and personal belongings. Next, shop around by comparing quotes from multiple insurance providers, as rates can vary significantly. Consider bundling your home insurance with other policies, like auto insurance, to receive discounts. Improve your home’s safety features, such as installing security systems or smoke detectors, which can also lower your premiums. Don’t forget to ask about available discounts, such as for being a claims-free customer or for maintaining a good credit score. Review the policy’s deductibles; opting for a higher deductible can reduce your premium, but ensure it’s an amount you can afford in case of a claim. Finally, periodically review your insurance needs and adjust your coverage as necessary to maintain affordability.