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How to Gain a Solid Home Insurance Policy in Lethbridge

Lethbridge offers many different housing options in over 40 different neighbourhoods. Whether you’re a student renting in West Lethbridge, own a single-family dwelling, or a renter, there is one requirement – home or tenant insurance.

Where Do You Start?

A free quote is always fast and free, and there’s never any obligation. Our brokers will guide you in simplifying your insurance policy details. We encourage you to give us a call to ask questions and get free advice.

We deal with some of the top insurers in Canada, but we’re still independent. We’ll look for the best rates and help you layout a plan that’ll provide the coverage that suits your living situation.

We Love Shopping For Your Best Rate

When you get a free condo or home insurance quote, our Lethbridge home insurance experts will do some comparison shopping for you. Yes, relax and enjoy your day while we do the work.

For most people, a home is the most significant investment they’ll ever make. Our team knows that every client has different concerns, and that’s why no two home insurance policies are the same. You’ve worked hard for your home and its contents. Now make sure your investment is protected.

Call us today!

Weather Protection – Why Do You Need It?

Weather across Alberta is continually changing and has a substantial impact on home insurance premiums. Best known as the ‘windy city’, it’s not surprising that wind damage is one of the highest reported claims in Lethbridge.

Hail damage, sewer backup, and flood damage are also significant risks for every homeowner.

Keep your home safe with the right coverage for you. Not sure what you need? Talk to one of our home insurance specialists today.

Insurance for Lethbridge Homeowners

You may be looking for home insurance or condo insurance. We’re happy to find you a policy that protects your biggest investment.

We know buying insurance can be exhausting; you might not be sure what you need, but you want the best options and fair price. Our team of knowledgeable brokers are ready to walk you through your insurance journey.

Home Insurance: What To Expect

While home insurance isn’t mandatory, most lenders and many landlords do require proof of insurance. But more than a requirement, a good insurance policy is genuinely peace-of-mind protection.

Our home insurance policies are planned for your needs and funds. An insurance policy should consider the home itself, including interior and exterior building materials, electrical, plumbing, water tanks, and furnaces, as well as the contents.

Condo Insurance Makes Life Better

For condo owners, home insurance is almost always mandatory because you’re sharing space with other owners. In addition to insurance for your unit and your contents, you also get:

  1. Improvements and Betterments Coverage: If you’ve upgraded any finishings in your unit or if you’ve added things like closet organizers or built-in shelves.
  2. Loss Assessment Coverage: If you need your policy to pay your portion of a special assessment caused by any loss to a common property. It’s true that you need insurance to protect your unit, but you also own a portion of the common space in your building.

Snowbirds: What Changes Do I Need To Make to My Policy?

Is business or pleasure keeping you away from home for extended periods? Do you need to make changes to your home insurance policy if you spend the winter away? To ensure your policy stays in full effect in your absence, you must:

  1. Tell your insurance broker that you’re going to be away.
  2. Have a responsible adult check in on your property every three days.

Did you know?

Where you buy your home is one of top factors that affects your home insurance rates. Do your homework on the claim and crime rates in the selected community before you look for homes to buy.

Ways to Save Money on Your Home Insurance

There are many different ways to lower your home insurance rates and decrease your risk. Insurance companies will take into consideration any updates to your home (e.g. upgrades, replacements), and certain installations, including sump pumps, alarm systems, and roof replacements.

Additional Coverage Options

Did you know we offer a wide variety of additional coverage options for your Lethbridge home insurance?

If you have expensive jewellery, camera equipment, valuable collections (e.g. art, wine, coins), or any other kind of valuable possessions, talk to your home insurance broker about the best way to protect yourself and the things you love.

Endorsements, also known as ‘riders’ provide coverage over and beyond what’s included in your home insurance policy.

As a consumer, it’s important to find out what you’re covered for. In most policies, there are limits for personal goods. For example, some policies may include only $1500 coverage for computers or stereo equipment. So, if you have a high-end laptop, a tablet, and a high-quality entertainment system, you’ll quickly exceed this limit.

An insurance policy that works - however big or small your space.

Let the experts take care of your insurance plan.

Flood Insurance in Lethbridge

Even though Lethbridge is the 11th driest city in Canada, flooding is still a major concern. Over the past five years, a state of emergency has been declared several times due to flooding.

Spring and summer storms can drop large amounts of rain over short periods, and the drainage systems can become overwhelmed. In the winter, rapid snow melts pose a similar threat. As a result, many residents have had first-hand experience with basement flooding.

As a homeowner, it’s important to understand what your Lethbridge home insurance covers and what it doesn’t. The majority of policies cover water damage coverage (if it’s sudden or accidental) but doesn’t provide coverage for flood damage. Ask your insurer questions you may have about water coverage.

It’s also important to know when your home was built. In Lethbridge, the municipality has changed the residential building code requirements several times in an attempt to mitigate basement flooding. Newer structures (post 1995) should be equipped with sump pumps, which can lower your home insurance premiums.

In the past, flood insurance wasn’t available to many homeowners. Following the devastating Alberta floods in June 2013, the insurance industry answered with a water protection endorsement that’s easy to add to your existing home insurance policy if you qualify for the endorsement.

The 2013 floods price tag totalled over $7 billion in losses. The event was a wakeup call for many without the right home insurance in place. Weather patterns have been changing for some time. So whether it’s wind and rain, excessive snow, snow melting, or rising river levels, flooding is inevitable for many Albertans.

Make sure you’re protected. Please give us a call if you need more information or if you’re looking for home insurance quotes in Lethbridge.

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