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Rainfall 

Lethbridge receives about 275 millimeters of rain per year. Spring and summer storms on the Prairies can dump substantial amounts of rainfall in a brief time, causing basements to flood and drain systems to back up. Your rates are likely to increase the more claims you file. 

Flooding  

Lethbridge lies next to the Oldman River which is prone to flooding. Most policies do not include coverage for overland flooding. You will need to purchase an additional insurance policy for this coverage.  

Snow 

Lethbridge receives an average of over 110 centimeters of snow per year. Your home can be damaged by heavy snowfall, ice damming or freezing temperatures. This damage may not be covered under your policy, and you will need additional insurance.

Building Structure

Building coverage pays for repairs or replacement costs if your home is damaged by fire, severe weather and other risks. 

Contents Coverage

Contents insurance protects your belongings, such as furniture, technology and clothes. You may want to consider adding an endorsement if you have valuables that are subject to standard policy limits. 

Liability protection 

This protects you from claims by third parties for bodily injuries and property damage. If someone falls and gets injured on your driveway, then your liability insurance can cover the legal fees, medical expenses and settlement costs. 

Coverage for Additional Living Expenses 

If, due to a covered loss, you must stay somewhere else while your home is getting repaired, your policy may cover additional expenses that you face during this time. Examples include restaurant bills, hotel expenses and storage costs.

Insurance for home-based businesses

This insurance covers you from commercial risks, such as stock damage. If you have a home-based business, your stock may be damaged. These claims are not covered by standard policies. 

Umbrella Insurance

A separate umbrella insurance is available but can also be added to your Lethbridge homeowner’s insurance policy to increase the limit on liability.  

If you have only $1 million in liability insurance, and you are facing a claim for $2 million, then your umbrella policy can cover the other half. This also includes auto liability, lawsuits and claims for general liability, slander and defamation. 

Identity Theft Coverage

This covers several costs incurred when an individual’s identity is stolen such as costs for replacing government issued documents and lost wages due to having to leave work to handle the theft.

Replacement of Locks

This add-on covers the costs associated with re–keying your home’s locks. Most insurance companies require a police report to be submitted if your keys are stolen before they will pay out a claim. 

Massive Evacuation

This add-on covers your expenses if you are forced to leave your home by a government order, such as many Albertans did during the 2016 historic Fort McMurray wildfires which were estimated by the Insurance Bureau of Canada to have been amongst the most expensive in Canadian history. 

Sewer Back-Up

This add-on protects your house when the sewer backs up, causing damage to the main city line. This add-on will often cover the costs of cleaning up sewer water and repairing any damage that it may have caused. 

Home sharing insurance

If you rent your house short-term, you’ll need special insurance to protect you against unique risks. You may be at risk of theft, guest lawsuits and liability.