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High Prairie Insurance

Located in the Big Lakes county, High Prairie is home to 2,600 residents and surrounded by several lakes and parks, including the shores of Lesser Slave Lake. If you’re a High Prairie dweller, we have a list of insurance remedies for those who don’t like shopping around for their insurance policies.

Find more insurance types that we cover.

Is Insurance Required in High Prairie?‎

You must insure your car to drive on the lovely northeastern roads of High Prairie. While it’s not required by law to carry home, tenant or condo insurance you’ll want a thorough insurance policy that will give you peace of mind. A lender or bank will request you have insurance for a mortgage.

How to Get Cheap Insurance in High Prairie

It’s not often someone will dive into their insurance policy line-by-line, but it may be worth it. Or better yet, our brokers will break down the insurance lingo to make sure you’ve got all the coverage you need.

You may be surprised to find out a few changes could save you hundreds of dollars on your annual insurance rate. Ask one of our brokers for more information. Until then, here are a few tricks to getting a low rate.

10 Tips to Lessen your Insurance Rates
  • Start a claim if you can afford it. Keeps rates stable.
  • Combine your home and car insurance policies.
  • Consider omitting comprehensive insurance for older model cars.
  • Fix your deductible at a higher amount.
  • Install winter tires and tell your insurer.
  • Keep your insurance going – no gaps. 
  • Work remotely or walk to work.
  • Discover what the claim rate is in your community.
  • Keep a great credit record.
  • Drive safely.

If you prefer to not do the grunt work calling around to different insurance companies, we’re here to help.

What insurance protection do you need in High Prairie

The level of insurance coverage you need is personal. Your neighbour’s rate for home, auto, and travel insurance could be vastly unlike yours. Different parts of Alberta also pay different car premiums. There is no one size fits all. It pays to shop around for a competitive rate. We’ll help you do the heavy lifting so you can get back to doing what you love.

What are the Standard Types of Business Insurance in Lethbridge?

If you don’t work in one of the key industries in High Prairie – agriculture, oil and gas, or forestry, you may run a business from your home or staff a organization in the downtown core. Either way, business insurance is something to invest in.

Sharp provides you with a bunch of business insurance coverage options. Below are 7 different types of business insurance.

7 Kinds of Business Insurance
Professional Liability

Are you an accountant, lawyer or have your own business? This type of liability insurance assists you financially if you get sued.


Property Damage

If you have a fire or flood and your office furniture and computers are ruined, this type of insurance will cover you.



Commercial General Liability

If you clients get hurt or their belongings are damaged, this kind of insurance will help you cover the costs.


Equipment Breakdown

Equipment is critical for your business to run properly. What if it breaks down? This protection helps you cover the costs for repairs and replacements.



Business Interruption

A fire prompts your business to close shop. Interruption insurance helps you financially recover to pay staff and your rent.


Cyber Insurance

A cyber attack can come out of nowhere. Coverage includes protection against cyber attacks and data breaches.

Commercial Auto

Your business may have one vehicle or a fleet of cars. Whatever your industry, we protect you when damage occurs.


What to know about Buying Insurance in High Prairie

You can sift through endless websites looking for the correct insurance information for your home or hobbies. But having an advisor by your side (i.e. a broker) will ease the pain of understanding what you’re getting. While insurance is not rocket science, it can be complex and time consuming. Our brokers will help you out, either online or by phone. It’s easier than you think to save time and money.

What is a Loss Settlement Option?‎

Why should you care about a loss settlement option? This option is the money your insurer will pay you after you settle a claim, as agreed upon in your insurance policy. A fire, theft, flood – these are common losses that you could be protected against with the proper policy.


3 Loss Settlement Options:

Agreed Value

The cost your adjuster and insurance company acknowledge as the amount you’ll receive after an insured loss.

Actual Cash Value

This is the cash value of your items, predicated on today’s value. The value is the replacement cost minus the depreciation, up to your determined policy limits.

Replacement Cost

The cost of the original amount paid, up to a specific amount, doesn’t figure in depreciation.


Before your insurer repays you for a loss settlement amount, you have to shell out your deductible amount.

A pointer for your house insurance policy: create an inventory list of your belongings. Put away your receipts in a shoebox or file folder and be ready when an unexpected loss happens.

Secure your Belongings

Rest easy with must-have High Prairie Insurance.

What are Policy Limits?

It’s important to understand how your policy limits work on your insurance policy. Without making the proper decisions, you could end up paying out of your pocket for medical expenses or legal fees. Your policy limit is the allowed dollar amount your insurance company is set to pay you or a third-party.

If you’re unsure how to set you limits, please contact one of our brokers and we’ll walk you through the steps.

What Factors Sway your Insurance Rates in High Prairie?

With insurance rates on the rise in Alberta, especially for home and car premiums – everyone is looking for the cheapest, lowest rate imaginable. But what if you knew you were getting the best value – wouldn’t that make you sleep better at night? Sometimes you get what you pay for and insurance rates are no exception. Do your research before you decide on which insurer to go with. Or get one of our friendly brokers to help you.

10 Factors that impact your premiums:
  • Claims record
  • Credit score
  • Your age, driving history
  • The community you live in
  • Insurance coverage picks
  • Overall insurance story
  • Your choice of loss settlement
  • Policy limits
  • Coverage details
  • Deductible amounts

The above factors show you that when your life changes (e.g. new home, condo lifestyle) you’ll need to reevaluate your insurance policies. We help you get clear on what policy packages you need right now.

What Insurance Companies Do We Partner With?

For 10 years, we have grown, including adding our many partnerships with well-known insurance companies in Alberta and Ontario. We’re happy to extend the benefits of our progress in ways you may never notice.  Our partners include:

  • Aviva Insurance
  • Intact Insurance
  • Economical
  • Wawanesa
  • RSA

Why is Sharp Insurance the brokerage to work with?

Our customers are important to us. We like to give back as much as we can. As an independent brokerage, we’re pleased to offer you competitive rates and insurance package options that you’ll love. We go out of our way to please you. Plus:

We work on your behalf

We match your insurance needs with one of our insurance company partners. No more wasted time searching for the perfect match.

You select the details of your policy 

It’s great to have options, and your insurance policy is no exception. You deserve the best for your home and toys.


We shop around for you

Get back to your busy life or take a nap. We find you accurate policy options and great prices.

We give you digital choices

Have you ever lost your pink card? It’s doesn’t matter now if you sign-up for the MySharp app. Pick up your phone and use your pink card in minutes.

We take good care of you

Our friendly and knowledgeable brokers are like sidekicks for your insurance needs.

How to Get a Free Online Insurance Quote in High Prairie

Yes, it’s fast and straightforward and free. We don’t charge you for anything extra that you don’t need – including providing you with competitive insurance rate quotes. Give us a call or email us when it’s convenient for you.

3 Ways to Land a Free Quote:

  1. Use our website, send us an email, or call us today.
  2. Keep your insurance policy handy so you don’t waste time getting a quote.
  3. Compare insurance rates from more than one insurer.

Call us when you’re ready.