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Whitecourt Alberta Insurance

Situated in central Alberta, Whitecourt residents are always in need of reliable insurance options. Whether you live in the city of 10,200 people or commute to work from Edmonton, you need insurance to cover your car, home, condo, or weekend toys. We offer you excellent customer service and a choice of leading insurance partners that will match your needs and budget.

What are the Different Types of Insurance we offer?‎

As an independent brokerage, we can provide you with several options to get your insurance going in the right direction. Whether you’re researching the best rate for your new vehicle, require coverage for your new trailer for the summer or you’ve just upgraded your home and require a different insurance plan –we’re here to help.

Below are a few examples of insurance that we offer our customers:

Is Insurance Required in Whitecourt?‎

Most people require insurance for their home, condo, car and recreational vehicles. An insurance policy may be required by a lender or bank for home insurance or as a renter you’ll need adequate insurance to cover your personal goods. Whatever your needs – we have a solution that will fit right into your life and let you live without unnecessary worry or financial stress.

How to Get Cheap Insurance in Whitecourt

There’s a fine line between cheap insurance and having the best coverage for your lifestyle. Some people have too much insurance, while others don’t have enough to cover the basics. We make sure you’re covered in all situations where we can help, from a fire, a flood to an unexpected business interruption. You won’t have to go anywhere else to satisfy your insurance needs.

While you may have adequate insurance to cover everything possible, it’s always prudent to know how you can save money on your insurance bill. Here are a few tips.

10 ways to lower your insurance bill

Keep your insurance on track – if your coverage lags, you may be penalized.
Investigate your neighborhood community. A higher crime rate in your area will raise your rates.
Walk, bike, or take the bus to work.
Follow the rules of the road – less tickets and claims results in lower rates.
Choose a higher deductible.
Don’t make an unnecessary claim.
Bundle your policies (a popular one is car/home)
Review your policy details – get rid of redundant coverage
Have a great credit rating
Take care of your tires and change them seasonally

What insurance coverage do you need in Whitecourt?

The amount of options you take advantage of, stated in your insurance policy, depends as much on your lifestyle as it does on your financial situation. Choose what’s good for you now and don’t compare your rate or policy to your neighbor or friend’s insurance rate – they’re likely very different.

What are the Common Types of Business Insurance in Whitecourt?

Small businesses make up roughly 85% of the economy in Alberta. While Whitecourt is a relatively small city in Alberta, there are many businesses that thrive based on personal relationships and trust. So, whether you lead a large corporation or you’re a one-person business, you need insurance.

7 Types of Business Insurance:

Professional Liability

This coverage helps you if you get sued and provides you with financial assistance.

Property Damage

This coverage protects you from losing money after a loss to your business property and items, including your furniture, computers, and other expensive items.

Commercial General Liability

If you unintentionally damage a visitor’s items or if they get hurt at your business, this insurance coverage will provide financial help.

Equipment Breakdown

Mechanical or electrical failures happen. This coverage helps you pay for repairs or replaces new equipment.

Business Interruption

If a flood causes your business to close, this coverage will help you pay for items, including staff salaries and the heating bills.

Cyber Liability

Cyberattack or data breach protection is available with this type of coverage.

Commercial Auto

This helps you pay for any damage to vehicles used for work purposes.

What to Know Before Buying Insurance in Whitecourt

The beauty of having us by your side is you can let us do the grunt work for you. Whether you need a range of insurance rates for all your needs, or specific coverage details for only your home – we work for you behind the scenes when you need us the most.

Rest up, run your business, or take care of your family. We help you live without excess worry. You know you have the proper coverage to go on with your day.

What is a Loss Settlement Option?‎

A loss settlement option is the amount of money your insurance provider sends you (minus the deductible), after a loss. The settlement option is determined before any loss occurs and is explained in your insurance policy.

There are 3 different loss settlement options you can choose: actual cash value, replacement cost, or agreed value.

3 Loss Settlement Options:

Actual Cash Value

ACV is a common settlement option as it covers the actual price of an insured item on the day of the loss. It’s often the cheaper option. ACV is calculated as the replacement cost minus depreciation, up to the set policy limits.

Replacement Cost

This option covers the amount you paid for the original item – up to a certain limit. This value doesn’t take reflect the depreciation. But you’ll get more money back if you have a loss.

Agreed Value

AV is the price the adjuster and the insured agree upon as the price that you’ll get after an insured loss.

If you’re unsure what loss settlement options you have on your policy, or need to make a change, contact us right away and we’ll walk you through your policy.

What Factors Impact your Insurance Rates?

It’s futile to compare your insurance rates to your neighbour or friends’ rates. Your situation is unique, and your insurance rates should reflect that. There are many elements that will affect your premiums, so stay aware of the changes around you. Before you decide where to live or what car to buy and insure, look at your budget and ask one of our brokers for guidance. We’re your personal rate shopper, as we’re partnered with several major insurers.

10 things that affect your Insurance Rates:

Loss settlement options
Policy limits
Coverage options
Deductible amount (higher deductible, lower rates)
How long you’ve carried insurance
Credit history
Your age
The emergency services close to you
The crime and claim rate of your neighbourhood
The number of claims in you’ve made

Why is Sharp Insurance the brokerage to work with?

See for yourself. We go above and beyond expectations for your home and business needs and everything in between. Compare rates all you want. Our digital services give you a leg up, so you won’t need to go anywhere else. Here are a few other reasons to be a part of our insurance family. Take a look at what we offer:

We do the grunt work

We shop around for the best rates for you. Our insurer partners give you options to decide what works for.

The choice is yours

Our brokers work hard to find you the best insurance options that cover you in every stage of life.

We give you more freedom

No one wants to spend time scouring the Internet or calling brokers to get the best premium. We contact our insurance company partners to find you the best rate. Get back your time. Call us for a free, no-obligation quote that will satisfy your needs.

We provide you digital choices

Pick up your phone to access your pink card or make a claim via the mySharp app. Sign up today, it’s easy and reliable.

We understand your needs

We understand you have specific items you want protected. We get it – we’re in the same boat. We know what you need, and we go the distance to deliver it to you, with a smile.

How to Get a Free Online Insurance Quote in minutes

All our quotes are free. You choose how to get one – through our easy-to-use MySharp app, by phone, or email. It’s that simple. Find out what works for you and what makes your life easier. You’re busy and we strive to make it straightforward to get an insurance rate quote anytime and anywhere.

3 Easy Steps to get a free online quote:

Find your online insurance quote online, by the phone or send us a quick email.
Easy access to your insurance documents is the key to speedy service. Call us when you’re ready.
You can get quotes from several different insurance providers any time that’s convenient for you.

Get a Quote

Who are our insurance partners?

A lot can change in a day or even in an hour. We’ve partnered with some of the top insurance companies in Canada to give you want you came looking for. We don’t sugar coat your options – we get straight to the point. No one has time to waste, especially now as we have more on our plates than ever before. Don’t despair. Sit down and take a minute to research our partners, if it gives you peace of mind. We want you to succeed at finding the ultimate insurance options that take you through your life with ease, protection and simplicity.

Our partners include:

Intact Insurance
SGI Canada
Economical
Wawanesa

Find out more about how we can help you with your insurance needs. Call us today!