Why Use An Insurance Broker in Fort McMurray

There are many reasons to choose an insurance broker for your insurance needs in Fort McMurray. We help you with everything from your favorite roadster to hunting down optimal coverage for your home.

We know you have better things to do then spend hours reading through your insurance policy documents. Get access to one of our insurance broker’s know-how so you don’t have to. We act as a gateway to our insurance company partners who strive to meet your diverse insurance needs.

Mandatory insurance depends on what you own or rent. If you drive a car in Fort McMurray, you’re required to have basic car insurance. If you go through a lender or bank for a house mortgage, you must show proof of an insurance policy.

If you don’t have enough money saved up to rebuild your home and replace all your belongings –then buying insurance to protect your investments is a smart investment.

You get to choose your insurance coverage based on your living situation and your hobbies. You can get full coverage for your home, car, and RV, for example. Or select the basic protection to get you out on the road.

Our brokers unearth a unique insurance policy to suit your life and your pocketbook.

Insurance options can seem endless when you’ve spent money on big ticket items, or you store your sentimental belongings at home. What is the best way to pick your loss settlement, your policy limits, and your insurance coverage options?

Let’s face it – your insurance policy documents are chock full of insurance lingo, boring to read, and time consuming. If you’re not a speed reader or dislike looking up terms in the dictionary, we help you translate your documents into easy to read information tailored to your individual needs.

You have an insured loss and you want to get reimbursed for that item. The amount of money you get back from your insurance company is the loss settlement option often predetermined in your insurance policy. But the dollar amount returned to you depends on three choices: actual cash value, replacement cost, and agreed value.

A policy limit is the maximum amount of money your insurer will pay you after an insured loss. The limits are set by the policyholder at the time the insurance policy is set up.

But, how do policy limits work if I have a liability claim? If you have an insured loss that involves a third-party, (e.g. car accident) the maximum amount paid out by your insurer goes to the third-party for medical expenses and/or legal fees.

Since you’re required to choose your policy limits, you may need guidance. While options depend on what type of insurance you’re dealing with, if you’re not clear on what limits to set, contact one of our insurance brokers in Fort McMurray.

• Insurance report
• Claims record
• Your credit position
• Your age
• The neighborhood you reside

• Your coverage options
• Loss settlement choices
• Policy limits
• Deductible amount

• Make a claim if you can’t afford to pay from your personal funds
• Link your car and home insurance policies
• If you have an old vehicle, you may want to omit comprehensive coverage
• Increase your deductible
• Install anti-theft devices to your car
• Tell your insurance company when you install winter tires

• Eliminate gaps in your insurance reports
• Take the train, bus, or walk to work
• Discover the claim and crime rates of your community before buying a house
• Maintain a great driving record
• Keep your credit healthy
• Stay with one insurance company long-term

Give us a call or fill out our quote form today!