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Insurance Broker Calgary

Get a Quote

Insurance Broker Calgary

Get a Quote

How to get the Cheapest Calgary Insurance Quotes

There are several methods to purchase insurance; as a trusted insurance broker, Calgary residents rely on us for full insurance services tailored to their needs. Take the first step by giving us a call.

Leading Calgary Insurance Brokerage 

We know that finding the right policy in Calgary, Canada can be tricky. Especially for your home. Whether your home is an acreage of farmland, in a new build, or a condo in the downtown area, we’ll find you the right coverage at the right price.

Calgary home insurance quotes are available for all detached, semi-detached, townhomes, bungalows, trailers, and condos, and we also offer tenant insurance for renters across the city.

Our experienced insurance agents, licensed through the Alberta Insurance Council and members of the Insurance Brokers Association of Alberta (IBAA), are always ready to help you save time and money with insurance advice. You don’t have to be a Sharp customer to get answers.

When you get a free, no-obligation home insurance quote, you immediately get access to our network of insurers. With a single application, our brokers do the legwork of researching and comparing policies across multiple insurance companies, saving you time and effort while getting you the best coverage at competitive rates.

 

In addition to providing home insurance in Calgary, Sharp can also take care of your recreation, car, commercial property insurance, and broader commercial insurance needs.

Contact us and let’s see how much money we can save you.

Calgary Quotes

Did you know

The average cost of car insurance in Calgary is $1,420 per year or $118.33 per month. Cheaper than Edmonton!

Our seasoned Calgary auto insurance broker team is dedicated to assisting you in accessing exclusive savings across leading insurance providers. Explore competitive auto insurance quotes tailored to your unique requirements!

 

Most Popular Insurance Products in Calgary

Is it Mandatory to have Insurance in Calgary?

Yes, you need insurance in Calgary if you own a car or if you finance a home or vehicle. By law, the ‎only mandatory insurance is third-party liability insurance for your car – this covers the costs of ‎repairing or replacing another person’s vehicle as well as expenses relating to injuries or a lawsuit if you’re ‎at-fault in an accident.

You’ll likely need insurance if you finance a car or recreational vehicle or have a ‎mortgage on your home. Lenders may require you to have a certain amount and type of insurance. If you’re not financing your vehicle or home, insurance is still a good idea. While it’s a fantastic city ‎to live in, Calgary experiences a lot of weather perils: wind, hail, flooding and snowstorms. And the crime and ‎traffic that come with every big city. Insurance can’t prevent bad things from happening, but it can help ‎you recover and rebuild financially.‎

How to Get Best Insurance in Calgary

There are several ways to get low-cost insurance rates in Calgary. It could be as easy as paying a lump sum every year to pay your insurance bill instead of monthly fees. Ask your insurance company if any of the below tips apply to you.

10 Ways to Lower Your Calgary Insurance Bill

  • Submit a claim only if you can’t pay out-of-pocket
  • Bundle your home and vehicle insurance with one company and save money
  • You may not need comprehensive insurance for an older car
  • Set a higher deductible if it’s affordable, since higher deductibles typically result in lower monthly premiums
  • Install winter tires and notify your insurer
  • Avoid gaps in your insurance history
  • Cut down on your daily commute, or carpool to work
  • Research before you buy a new home or car (crime/claim rate, proximity to emergency services)
  • Maintain a healthy credit rating
  • Keep a clean driving record

If you hate shopping around, give us a call. We love helping our customers find the ideal rates to suit their insurance needs in Calgary.

Online Quotes

Why Do I Need Insurance in Calgary‎?

Could you afford to rebuild your home out of pocket if something happened? Get repairs done on your car after an accident with no financial hardship? Cover the expenses of a lawsuit on your own? From home and auto to life insurance, these are the real-life scenarios coverage is built for. Insurance helps reduce the financial burden of a disaster or unexpected event.

Contact our Calgary Insurance brokers

 

What Does Insurance Cover in Calgary?

Your specific insurance coverage in Calgary depends on many variables, including your insurer. For example, home insurance in Calgary typically includes coverage for your dwelling, personal liability, and personal property, among other options. A policy covers two main areas:

Property Damage

Can help cover repairs or replacement of a vehicle, home, personal belongings, or business property. For example, a fire destroys your home.

Liability

Can help cover legal expenses if someone gets hurt or has their stuff damaged while on your property or by your accidental actions. For example, someone slips on your front steps and is injured, so they sue you.

Insurance is customizable. There are a ton of options when it comes to insurance. Each type of coverage and each insurance company offers different amounts and types of protection. Our job is to help you get the coverage that matches your budget.

What Are the Common Types of Business Insurance?

Whether you just started a small accounting business or head up a team of 50 in the IT industry, Calgary businesses across our local community need protection that fits their industry. Business insurance here can include commercial general liability, property damage, and professional liability coverage, all tailored to your specific needs.

 

7 Types of Business Insurance:

Professional Liability

This coverage helps you if you get sued and provides you with financial assistance.

Property Damage

This coverage protects you from losing money after a loss to your business property and items, including your furniture, computers, and other expensive items.

Commercial General Liability

If you unintentionally damage a visitor’s items or if they get hurt at your business, this insurance coverage will provide financial help.

Equipment Breakdown

Mechanical or electrical failures happen. This coverage helps you pay for repairs or replaces new equipment.

Business Interruption

If a flood causes your business to close, this coverage will help you pay for items, including staff salaries and the heating bills.

Cyber Liability

Cyberattack or data breach protection is available with this type of coverage.

Commercial Auto

Commercial Auto helps you pay for any damage to vehicles used for work purposes.

What is a Loss Settlement Option?‎

You have insurance for your belongings, but what happens if you have an insured loss? It’s hard to know how much money you’ll be reimbursed. A foolproof way to have an estimate of the amount you’ll get back is through your loss settlement option.

A loss settlement option is the money your insurer pays you after your claim is settled. You can choose from the actual cash value, replacement cost, or agreed value options at the time you set up your policy. These 3 options apply to all types of insurance you buy – from your home to your car insurance and everything in between.

Calgary Quotes

3 Loss Settlement Options:

Agreed Value

The agreed upon value of an item or property. This option is used for special items, such as jewelry, antiques, or a heritage home.

Cash Value or Market Value

This option includes the purchase price of your home, minus the depreciation. This is not the price you bought your home at, but rather the current value of your home.

Replacement Cost

The total cost of replacing your home after a loss, without considering the depreciation.

Get the Right Calgary Insurance Coverage 

Getting the right coverage in Calgary is the perfect mix of protection and price.

What is the Policy Limit for Calgary Insurance

A policy limit is the maximum amount of money your insurance company will pay you after you make a claim. The amount may go directly to you or a third-party that was impacted by the loss.

For example, while the minimum third-party liability for car insurance is in the thousands of dollars, it’s often recommended to have up to $2 million in third-party liability. The $2 million is your car insurance policy limit.

If you need details about your policy limit, contact one of our Calgary Insurance brokers or your insurance company.

What Factors Impact Calgary Insurance Rates?‎

The cost of insurance in Calgary depends on a lot of different factors. Two people with the same car can have different car insurance rates in Calgary. The same for neighbors who can have completely different home insurance premiums.

Factors that impact the cost of insurance in Calgary:

  • Your demographics
  • Your insurance and claims history
  • Your credit rating
  • Your driving record (number and severity of tickets)
  • Where you live or operate your business
    • This determines the claim and crime rate of the area, as well as the distance to a fire station and fire hydrant, how close you are to risks like rivers, and the frequency and severity of natural disasters
  • The make, model and age of your car, motorcycle or recreational vehicle
  • If you commute and how far
  • How much it would cost to rebuild or replace your home, belongings, vehicle, or business premises
  • The building type, age and construction of your home or business premises
    • The age and type of roof, heating, plumbing, and electrical also impact your Calgary insurance prices
  • The type of business you run – its industry, the value of the business you do, et cetera
  • Security or damage mitigation devices you have installed
  • Your insurance options, including coverage, deductible and policy limits
  • Discounts you’re eligible for

Each type of insurance in Calgary has different elements that impact the cost of insurance. It will also vary by insurance company and your own personal policy choices. Our Calgary insurance brokers can help you find competitive rates.

Getting an Insurance Quote in Calgary

Getting an insurance quote in Calgary is easier than you think and can take as little as five minutes, whether you do it online, by phone, or in person. The more information you provide, the more accurate your quote will be.

For example, for car insurance, you will be asked:

  • The make, model and year of your car
  • Your driver’s license number
  • Your birth date, years licensed, and demographics
  • If you have any accidents or tickets on your record
  • What insurance company you’re insured with
  • If you’ve had any claims
  • The purchase price of your car

For home insurance, you’ll be asked for:

  • Your address
  • Type of home
  • Construction and exterior finish
  • Age/ type of roof, heating, plumbing and electrical
  • If you have a fireplace, pool, or trampoline
  • If you have a garage, deck, shed, or other outbuildings
  • If you’ve made any claims
  • The name of your insurer

 

Our Calgary insurance brokers will also talk to you about your insurance options, like coverage, policy limits, and deductible as these also affect the price.

Calgary Quotes
Steven Hoang
2 days ago
My wife and I had a lovely service with Justin M. He was prompt, professional, and kept on top everything to make sure we had a smooth application approval before we got possession of our home. Thanks Justin!
I have dealt with Joesan with this company she is so so professional and polite and so quick the best lady I ever worked with sharp insurance are so lucky to have her keep up the great work
J O
3 days ago
Navdeep S is BEYOND AMAZING. After being disgruntled with numerous insurance providers/agencies for more than half a decade, I've finally found someone who rates a 12/10 in terms of customer service, 12/10 in insurance industry knowledge. He really has his customer's best interests at heart, and his follow-thru is unmatchable. He is straightforward and yet not pushy AT ALL. The entire customer experience with Navdeep S was one I never experienced with other providers/agencies, so needless to say, Navdeep will be my go to for all insurance needs starting now and going forward!!!
Justin M was super pleasant and knowledgeable, he made finding the best rate/coverage for our new home easy and straightforward, highly recommend!!
Siamak Mohajery
2 weeks ago
Jashanpreet at Sharp Insurance was very good to work with. I needed a very quick turnaround. She answered my phone calls promptly which is a plus, since some agents are very hard to contact by phone.
Amie Parenteau
2 weeks ago
Malgorzata
2 weeks ago
After our home was affected by a neighbouring fire and our previous insurer chose not to renew our policy, we were looking for new home insurance. Justin Madriaga at Sharp Insurance made a difficult situation much easier by guiding us through the process with professionalism, patience, and genuine care. He was knowledgeable, responsive, and always available to answer our questions. We truly appreciate his support and highly recommend him to anyone looking for exceptional service. Thank you, Justin!
Ogaga Agbaragu
1 month ago
Super support from Jashanpreet. Very professional and was very helpful in us getting our home insurance in place in a very timely manner. Communication and response time was top-notch. Thank you very much Jashanpreet.
Vivian Anyi
1 month ago
Jashanpreet was very helpful and knowledgeable in providing a home insurance quote. Thank you for the quick turnaround time!.
Rafael Blanco
1 month ago
I received excellent service from Jashanpreet. She handled my request efficiently and quickly. She offered me a very comprehensive home insurance policy at a truly competitive price. It was a pleasant experience working with her.
KASHIF UR RAHMAN
1 month ago
This was my first time purchasing home insurance through Sharp Insurance, and the experience was excellent. Jashanpreet explained everything clearly and in detail, from start to finish. The process was smooth, professional, and very well handled. Thank you, Jashanpreet, for your support and for doing a great job.
Kelly Beckett
1 month ago
Easy and great communication from Jashanpreet. She helped greatly and got a decent price for my car. Thanks Sharp Insurance
Cem Bartan
1 month ago
We were with Costco's Insurance brokerage and the company with which we had our policies stopped being part of Costco's services midway through last year. So, they handed us off to another insurance company when they left, and our rates went up when that change happened. We bought a vehicle to tow our trailer and wanted to add it to our auto policy, but when we asked for a quote it came in at an extra $140/month which we could not afford. Even though we are not up for renewal until January, I decided to start shopping around. I had quotes from 5 different brokerages and Sharp came in at the most competitive and with all the same coverage or better than what we had before. Dealing with Jashanpreet was very easy and smooth. I had so many questions and she was very patient and knowledgeable and answered everything I asked. If I had any confusion she was excellent at explaining things and clearing it all up. When signing the documents I had found a couple of items in the documents that needed to be corrected. She very promptly made those corrections and re-sent them so that I would be comfortable amd confident with what I was signing off on. From start to finish, she made the process extremely easy for me and before finalizing all the documents she had found another discount that she could apply to my policies and was able to actually get all of our coverage (including a 3rd vehicle) at less per month than what we were paying with our old company and with 2 vehicles! She made my experience a very happy one and I would recommend Sharp Insurance to anyone. I actually gave her info to a friend of mine today, who is looking to change companies. Five stars and two thumbs way up!
Calvin Awalt
1 month ago
Jihye Kang
1 month ago
As first-time home buyers in Canada, we had many questions about home insurance. Justin was very knowledgeable, patient, and always quick to respond. He explained everything clearly and helped us secure the right coverage for our new home. Thank you for making the process smooth and stress-free. We truly appreciate your help and highly recommend Justin and his team.
La My
1 month ago
Always great customer service. Great rates. And do their best for us no matter the circumstances
Shauna Dell
2 months ago
Best experience with Liliana Alexeeva! We were struggling spending 45 mins on the phone getting quotes for home insurance and Liliana rescued us promptly! Don't struggle and waste time on your own reach out to Liliana.
Hannah Pavka
2 months ago
Jashanpreet was fast, efficient, and very helpful with this process. Thank you again!
Damo
2 months ago
Jashanpreet helped us secure a solid rate for home and auto insurance. She was prompt and helpful.
Working with Sharp Insurance has been an absolute breeze! My broker is Jashan, she is extremely knowledgeable and has always quick to respond to my many questions throughout the process. Would highly recommend working with Sharp for top notch service!
lumala vicky
2 months ago
We had an amazing experience working with Jashanpreet at Forward Insurance. She was incredibly relentless, patient, and supportive throughout the entire process. Even while we were in the middle of making a very tough and important decision, she never gave up on us and continued to guide us every step of the way. What stood out most was her professionalism, respectful communication, and dedication to finding the best possible solution for us. We are especially grateful that she was able to secure us a short-term rental insurance policy for our home at a very competitive price. She made what could have been a stressful process feel much smoother and reassured us throughout. Jashanpreet truly goes above and beyond for her clients. Her work ethic, responsiveness, honesty, and commitment are unmatched. We felt genuinely cared for and supported the entire time. Highly recommend her services to anyone looking for someone knowledgeable, trustworthy, and determined to get results. Thank you again for everything!
Lisa Girard
2 months ago
I had the best experience with this company that I just so happened to stumble across. Charles was a life saver for me. After being completely screwed over after 25 years of auto insurance with RBC/ Iviva, Charles was able to get me my pink slips in 1 day!! Thanks again Charles! I will definitely be calling you regarding my future insurance needs.
Amritpal Grewal
3 months ago
Dwayne Whyte
3 months ago
I first began dealing with sharp in 2024. Since then I have switched all my insurance needs over to them. Their service tea,,Brandon Mably being the person I dealt with, has been exceptionally helpful with answering all my questions and have made sure i understood what was going on. Have already been recommending them to my peers and coworkers..
bee breef
3 months ago
Jashanpreet....was the agent I dealt with. Very patient, informative, knowledgeable and got me a rate $70 less than I was paying. DEFINITELY 5 STAR SERVICE!!💐

Work with the Best Calgary Insurance Brokers

Our dedicated brokers are eager to help you from the first call, treating all clients with the same care and attention regardless of their policy size. A few ways our brokers can help you.

  • Advise you on your insurance needs, breaking down complex terminology and coverage differences so you can make confident decisions
  • Get your competitive Calgary insurance quotes
  • Advocate for you if you have a claim, coordinating with independent adjusters and insurance experts, guiding you through filing and ensuring a fair settlement

Our MySharp app and web portal let you manage your insurance needs whenever and wherever you want, making the whole process stress free and handled in a timely manner. It works on computers, tablets and smartphones. You can access and print your pink cards, submit claims, request a change, or simply review your insurance details.

Get a Calgary insurance quote online or give us a call to find out more about what we can do for you.

Online Quotes

Why is Sharp Insurance the brokerage to work with?

It’s simple, we treat your insurance needs like they’re our own. We advise, negotiate on your behalf, and provide you with excellent customer service.

We work for you

Unlike direct agents who are limited to one company’s products, we are required to act in your best interests, matching you with an insurer that truly fits your needs.

We offer you choices

You can choose what insurance coverage level you want at the best rates for you in Calgary.

We shop around for you

Our Calgary brokers love to shop around for you, so you can get back to business at home or on the road.

We give you digital choices

Forget about your messy glove compartment; pick up your phone to access your pink card or to make a claim.

We take good care of your needs

We want the same as you: to have the best possible rates and awesome customer service. We deliver!

Contact our Calgary Insurance brokers

 

Walk-Ins by Appointment Only

Please be advised that Sharp Insurance accepts walk-ins by appointment in order to better serve clients.

Our receptionists are pleased to assist you with booking an appointment and can be reached at (587)287-9288.