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Fort McMurray Home Insurance Broker

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Fort McMurray Home Insurance Broker

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How to Reap Home Insurance in Fort McMurray

We specialize in helping you find excellent home insurance in Fort McMurray. Whether you own a home, condo or townhouse, make sure your investments and valuables are protected.

Fort McMurray is the hub of 10 communities in the Wood Buffalo region of Northern Alberta and a major part of the province’s oil and gas industry. After years of consistent growth, the housing market has struggled to keep up with the many renters and buyers competing for properties.

But how do you get the best rates? Our brokers do the legwork for you. We shop our network of insurers to find you the best rates and customize an insurance policy. Our home insurance quotes are free and with no obligation to buy.

Our team of expert brokers understands that homeowners have different concerns; even if you live in a house that looks exactly like the one down the street from the outside, the interior finishing and the contents are different.

We know that looking for home insurance can be a time consuming task. Have questions? Our brokers are a great resource, and they’re always available to give advice. Gain knowledge about what you’ll need to pay – get a quote today so you can start saving money on your home insurance right away.

Facts About Home Insurance in Fort McMurray

The past several years have been difficult for the city. Disaster has struck several times  with residents dealing with overland flooding and a devastating fire which caused many to lose their homes.

Five rivers flow through Fort McMurray. The city has seen its share of overland flood and sewer backups. Water damage claims are among the top home insurance claims. In fact, there has been a significant increase in water claims across Canada over the past decade due to climate change.

Our brokers are experts at navigating the home insurance industry. Put your mind at ease, and let us work on your behalf to find you the best protection at a comfortable rate.

Begin your adventure of discovering Fort McMurray home insurance. Get a quote by email, phone, or in person.

What is optional insurance coverage in Fort McMurray?

The average Fort McMurray home insurance policy doesn’t provide enough coverage for special collections or high priced items, such as art, wine, jewellery, or sports equipment. That’s where additional coverage comes in to supplement your policy and ensure you’re fully protected.

These coverage plans, also called endorsements or riders, are added to your existing home insurance policy so that you can enjoy your things without worrying about damage or loss.

Your home insurance policy may be complex, but your broker will answer all your questions. We can help you understand your policy and make recommendations.

Did you know?

Where you buy your home is one of top factors that impacts your home insurance rates. Research the claim and crime rates of your new community before you move in.

How to Improve Your Home Insurance Rates

When you’re looking for home insurance in Fort McMurray, you’re really trying to find a balance of great coverage and a rate you can afford. Many factors go into determining insurance premiums and lots of these you have no control over (like your age). However, there are some things you can do to make sure you get the best possible rates.

7 tips to lower your rate:

  1. Bundle your insurance. You’ll get a discount when you buy your auto and home insurance policies from the same insurer.
  2. Clean up your credit. A good credit history can result in lower insurance premiums. So make sure you’re making payments on time.
  3. Keep your home in tip-top shape and check in with your home insurance broker when you’re considering replacing or upgrading roofing, plumbing, heating, electrical, etc. These types of improvements lessen your risk of damage, which translates to lower premiums.
  4. Secure your home. Extra protection can add up to savings, so consider installing an alarm system and a smoke detector, as well as upgrading your door locks.
  5. Increase your deductible. Raising your deductible by as little as $500 can result in a discount.
  6. Are you mortgage free? Make sure your home insurance broker knows, and you’ll save at least 15%.
  7. Stop smoking. There are lots of good reasons to kick the habit for good, and now you can add lower home insurance rates to the list.

Weather Protection

Some of our insurer partners offer a weather protection program. If you have a claim on your home’s asphalt roof or vinyl siding, this program will help prevent damages in the future by upgrading your home with weather resistant roofing and siding materials.

Give us a call to learn more about this service and how our insurance provider can help you out.

Flood Insurance in Fort McMurray

Fort McMurray sits at the confluence of the Athabasca and Clearwater rivers and has a history of flooding. Not surprisingly, water damage is one of the main reasons behind the top home insurance claims. Many people don’t realize that their home insurance policy doesn’t provide coverage for every scenario.

In response to the floods of 2013 and 2018, plans are underway to comply with new provincial regulations; however, these preventative measures will offer no property protection for homeowners.  Weather patterns have been changing for some time. Whether it’s wind and rain, excessive snow and snow melting, or rising river levels, floods are becoming an certainty for many Fort McMurray residents.

Until recently, overland flood insurance was not available or was extremely expensive. Now, it’s being offered on personal home insurance policies as optional coverage. Recognizing the need, the insurance industry answered with an affordable water protection endorsement that’s easy to add to qualifying policies.

You can give us a call to learn more about overland flood insurance and get a free home insurance quote.