Home Insurance for Red Deer Residents

What kind of home insurance should I buy?

Home insurance for Red Deer properties can run from a basic policy, offering the narrowest coverage available, all the way to a comprehensive policy covering an extensive art and jewellery collection.

Most people find themselves somewhere in between: They’re looking to protect their home, its contents, and any other structure on the property (detached garage, etc.) but aren’t quite sure exactly what kind of coverage they really need.

One thing we know for sure is that no two clients are alike and neither are their home insurance policies. That’s why Sharp Insurance offers a wide variety of coverage plans and endorsements. We can customize a plan for you so that you’re protected no matter what wildcard pops up. And since we deal with a network of insurers, our brokers can do the comparison shopping for you and find you a great rate.

While home insurance isn’t mandatory in Canada, lenders will generally require proof of insurance as a condition of financing. Even if you’re mortgage-free, unless you can easily afford to replace your home and its contents, you should ensure you have a policy in place.

A huge bonus, and something most people don’t know, is that many home insurance policies automatically include third-party liability. This covers you in the event that someone gets hurt at your house or you accidentally cause damage to someone else’s property. This isn’t everything!

Did you know that third-party liability is global? This means that even if you live in Red Deer, your home insurance is like a security blanket you can take with you.

We know you probably have many questions, and our award-winning insurance experts are always available and happy to answer all of your questions. A home insurance quote is always free with us.

An endorsement, also known as a rider, means adding or supplementing coverage to an existing home insurance policy. Some of the most common items our Red Deer clients add coverage for include expensive jewellery, fine art collections, cameras, and sports equipment. While there’s some coverage for most of these categories in a general policy, the limits are typically low.

Some of our 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 new service and the service providers!