Skip to content

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; take the initial step by contacting our Insurance Broker in Calgary.

Leading Calgary Insurance Brokerage 

We know that getting the right insurance policy in Calgary 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.

Our experienced Calgary brokers 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 will do the legwork and get you multiple quotes.

In addition to providing home insurance in Calgary, Sharp can also take care of your recreation, car, and business 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 brokers are dedicated to assisting you in accessing exclusive savings and finding the ideal insurance solution. Explore competitive Calgary car 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 & save money (e.g. auto and home policies)
  • You may not need comprehensive insurance for an older car
  • Set a higher deductible, if it’s affordable
  • 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? 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. 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.


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, you need to know how to protect yourself, your staff, and your assets.

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 online insurance quote for Calgary is easier than you think. Just fill out a quote form, email us, or give us a call when it’s convenient for you. 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
Excellent4.5 Based on 3121 reviews from review us onAndrew W ★★★★★ Used there suvices for years always happy to help and work with you at bettering your experiencesQuin K. ★★★★★ david wong was patient, informative, and friendly. thanks for all the helpJoe W. ★★★★★ Great serviceLuke W. ★★★★★ Great customer service, Megan Beck was quick and very helpful!Елена П. ★★★★★ Ms. Tia Nelson took her time to explain things for us very clearly. Thank you for the service! Hope Sharp Insurance will have more nice salesperson.yung L. ★★★★★ I had an awesome experience with the client care customer service name Dinesh Chopra as he was very accommodating to my insurance policy. He did a great job!Salwa S. ★★★★★ I had a great experience with Navdeep Sidhu. He was very helpful, patient and knowledgeable and addressed a concern I had with my policy invoice. He was professional, friendly and a pleasure to speak with. I believe he is an excellent asset for Sharp.sveinn O. ★★★★★ Great service!!Megan Beck was particularly wonderful. I had an issue and she was able to get it resolved in a timely manner.David W. ★★★★★ David Wong was very helpful getting my app working and starting my claim.Donna P. ★★★★★ Kenneth Martinsen is just great. He goes above and beyond with his level of service. If you need help with your insurance needs you should absolutely ask for Kenneth. Cant recommend highly enough A++++Brenna H. ★★★★★ Casey Epp was efficient, exceptionally friendly and exceeded my expectations in finding my new Auto insurance plan! I'd give more stars if I could.Newfie L. ★★★★★ Just had an amazing call with Kenneth while trying to get a quote from home insurance. He made the whole experience super easy. He was very understanding and accommodating while trying to find the best plan for me.guyjr T. ★★★★★ Celine P. ★★★★★ If you are looking for someone that will work hard to find you the best auto insurance rate, look no further than the team at Sharp Insurance. Casey Epp was absolutely amazing! She was quick to answer all of our questions, was clear about price breakdowns, and went out of her way to ensure that we received the best premium possible. Shopping around for auto insurance can be painful, but Casey made it a positive experience and we could not be happier to make the move over to Sharp Insurance.Dmytro K. ★★★★★ Dean Z. ★★★★★ I have received an excellent service by one of sharp insurance agent Mr . Dave Wong . I truly recommend him to anyone looking to buy insurance . He worked hard to find me a much better deal and save me a few hundred dollars . A big thank you to him . Always remember his name ( Dave Wong ) 😊 .Harmeet and R. ★★★★★ Thank you so much to Casey Epp, who helped me sort out my insurance needs and found me a great deal, very quickly! I appreciate her help and professional service!Bam B. ★★★★★ Great customer service experience with Simran Bath. Very knowledgeable, courteous and professional 😊Martin M. ★★★★★ Megan Beck at Sharp was great, she made requested changes to my policies including going to underwriter to get a small exception approved. Updated pink slip showed up in my email minutes later.The wait on the phone listening to elevator music till my call was picked up was painfully long 🙁Saad T. ★★★★★ Very Good experience with them.Especially the Steve is the man,who thoroughly explains professionally everything. Very welcoming and polite attitude. Thanks to sharp team .Bluegrass A. ★★★★★ Casey Epp has been a huge help at guiding me through the insurance process and getting me setup with the best rates. She has a great attitude and performed quickly and accurately.Would recommend Sharp Insurance to my friends. 10/10Jonathan K. ★★★★★ Great service over the phonePanos “. ★★★★★ Great costumer serviceChristina F. ★★★★★ Thank you Kyle Lihaven for your help today!If all insurance representatives were like you, I'd probably complain alot less about premiums 😉Victor Manuel Pascua F. ★★★★★ Tia Nelson (the client care representative) has been very helpful and professional. She helped me settle my missed payment after I switched to a new insurance company, which could have been devastatingly painful if I had to pay the insurance company for a whole year as a penalty. When she immediately called me back after our first conversation, I had this feeling that she wouldn't just leave me waiting for a penalty note. She called the insurance right away to justify my circumstances and listened to her where in the end I was paying for the amount due, not the whole year. People like her could make a difference in your life.Lovepreet M. ★★★★★ Eloise S. ★★★★★ Rep Kerry-Ann Morgan-Ellis is just simply the best more like her pleaseWendy P. ★★★★★ I would like to thank Kyle Lihaven for being so helpful and knowledgeable with both of my insurances. He was very professional and had a positive attitude throughout the phone calls we have had. He had clear communication and he took the time to truly understand my issue.I appreciate the information and advice you have shared. Many thanks for your assistance.RehmanSami P. ★★★★★ RehmanSami Piracha
I am a sharp customer for 9 years since I landed in Canada, they are good and responsive, however being close on both Saturday and Sunday is not a very convenient practice for its customers, moreover a bigger pain point is that their on-call wait time for a new customer and an existing customer vary by a large number which seems totally unfair and feel like exploitation of existing customers, I hope they will look into this, they do charge top dollars for their service so a better turn around seems like need of the hour.
Paulie D ★★★★★ Makes dealing with insurance so easy. Called in to make some changes and the Rep Megan Beck was so knowledgeable and really there to help. She was also very polite and kind.and answered all my questions with great solutions.Tim P. ★★★★★ Kerry-Ann Morgan-Ellis was a terrific help bundling my insurance. Great rate!Mohamed N. ★★★★★ Kyle Lihaven was very helpful in explaining the implications of the changes I made to my insurance policy and sorted out all issues promptly.Melaninaire R. ★★★★★ Logan L. ★★★★★ M Brad B. ★★★★★ Casey Epp was wonderful to deal with. Service was fast, friendly and efficient. Very satisfied with my experience.ben B. ★★★★★ I have been with sharp for 10 years, and when I first bought my new Tacoma, I only had 9yr driving experience, and being young, they beat the competitions prices by half! Couldn't believe it. I shopped around years later, and still was the best price. Not hard to get ahold of them either.Jacob J. ★★★★★ Sharp Insurance is a great place for tenant insurance. They always take care of my concerns and questions!Thomas ★★★★★ I would like to thank Casey Epp from sharp insurance she was very helpful she went above and beyond to help me very nice lady I really appreciate your help you made my long day much easier!!!killer D. ★★★★★ I called sharp insurance. The wait on hold was intense. But once I got Kyle Lihaven on the phone. We talked and I explained what I had going on. He reviewed my policy. Got me the best rate available and also got it done the same day within 2hrs. I was impressed with the way he does his job. Excellent service. If you get to talk to Kyle Lihaven you won't be disappointed for a second. Keep up the great work. You are manMel ★★★★★ Commercial Agent Tarek Younan was very helpful and provided me with the right Documents in a timely manner.5 stars.Manuel V. ★★★★★ best service i had for long time Casey App awsome the only issue i have with is the waiting time on phone yo get an answer beside that its all goodDieselMECh ★★★★★ Writing this specifically for Catherine Sinclair-account manager with Sharp Insurance. Who who deal with regarding brokers, and receiving results will vary.Catherine is responsive, professional, well informed and obviously takes pride in her role as a customer service representative.I can’t or won’t comment on Sharp personally but I’m still with them solely due to the time Catherine took to set things right. Thank you 🙂Sean P. ★★★★★ Our experience with Sharp insurance and Travis Stringer our broker has been nothing short of excellent. He was extremely knowledgeable, patient, explained everything thoroughly, answered all of our questions, and made himself available to us outside of business hours and on his days off. He was committed to getting us the best deal possible with the absolute best coverage and when we bundled our auto into the package we saved 40% on what we paid years before. I would rate Travis 10/10. If you read this Travis.....Thank you from Sean and Britt!May C. ★★★★★ Just spoke on the phone with Lissa Miller about my policy renewal for this year. She was accommodating. She answered my questions pretty well and I’m satisfied. Im Recommending Sharp Insurance to everyone.Grant P. ★★★★★ A bit of a long wait on the phone but Kyle Lihaven was fast, courteous and professional. he took care of my change and issued the required documents in a few minutes. I like this kind of attitude and way of working as I feel I am being dealt with in an expert manner with a no nonsense approach.
Overall Sharp is a good broker, but I would ask that wait times on the phone be shorter.
Jennifer F. ★★★★★ Can’t say enough good things about Diyana Yang. She recently helped me with some insurance needs for my vehicle. She responded quickly to any emails and questions that I had. Great customer service!! Thank you Diyana Yang!Kwasi T. ★★★★★ Sharp Insurance has a wonderful team. I had the pleasure of meeting Kerry-Ann Morgan-Ellis, she was keen and patient, very knowledgeable helping me find solutions and benefits I didn't imagine I could have. Thank you Team Sharp Insurance.Karen E. ★★★★★ I spoke with Kerry Ann Morgan Ellis at Sharp Insurance about some changes to my insurance and she was so pleasant and was able to to answer all my questions and concerns. She went above and beyond.Joan Fernandez M. ★★★★★ Awesome customer service. Their staff Lissa Miller answered all my questions and gave me the best rate. We’re very happy and pleased with the service!Rob W. ★★★★★ Bijour Kamangajo took a confusing and difficult situation and took charge. Communication was clear, detailed, and her extra efforts were greatly appreciated. Experiences like this are why I stay with Sharp. 👍🏻Danny V. ★★★★★ Very helpful! Quick to respond to all your matters , I strongly recommend Sharp Insurance, I have spoken with Sarah Patterson and Preet , and it was a great experience. Thank you both for all your helpElmer R. ★★★★★ I am very happy that I have been assisted by Ann Morgan-Ellis for my car insurance. She is very helpful, very polite, and very knowledgeable. She had helped me find lower insurance premiums. I wish her more success in her job. Due to her good job I will keep my loyalty to Sharp Insurance.Michel M. ★★★★★ I have been assisted by Kyle Lihaven, a very polite, patient and understanding agent. He helped me out for about a week until we found a good deal. Kyle is one of the agents who puts the client's interests and thoughts first.
Overall, I was very satisfied with my experience.
Lorna V. ★★★★★ Ms. Melissa Miller is a good customer service, she’s very helpful and she was very patient and professional. She is an asset to your company.Kurtis B. ★★★★★ Kyle Lihaven was very helpful and kind! much appreciate his help and if anyone reading this needs help in the future, ask for him!Shesha Trading S. ★★★★★ very helpful and you'll get the best quotes for your auto insurance requirements!!!Tinika G. ★★★★★ I have great experiences with sharp. The reps are particularly helpful. special shout outs to Travis Stringer and Rahwa Habtenkiel ! excellent and friendly customer serviceJosh W. ★★★★★ excellent customer service. Kenneth Martensen was professional and answered all my questions, and had my issues dealt with in a hurry.Edison P. ★★★★★ Ms. Melissa Miller is bery helpful on our needs.

Work with the Best Calgary Insurance Brokers

Our dedicated brokers are eager to help you with your insurance needs. A few ways our brokers can help you.

  • Advise you on your insurance needs
  • Get you competitive Calgary insurance quotes
  • Advocate for you if you have a claim and help you through the process

Our MySharp app and web portal lets you manage your insurance needs whenever and wherever you want. 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

We match your insurance wants with an insurer that has your best interests at heart.

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