Home Insurance Alberta
You are fortunate if you have a home of your own. It is here that you live and nurture your dreams for the future with your loved ones. As you have made a significant investment in your home, it is natural that you want to protect it. But how? This is where Beneficial Insurance steps in and assists you in finding the best home insurance in Alberta that meets your needs and suits your budget.
Our insurance brokers are experts in home insurance. They explain you all the aspects of house insurance Alberta and answer all your questions. They talk to you to understand the amount of content insurance that you are looking for in your property insurance policy, whether there is any specific item that you need to cover and the options available to you. In this way, nothing is missed and you get a competitive home insurance quote providing you the most coverage at the lowest home insurance rate.
We operate throughout Alberta and have clients in the following regions:
- Calgary Alberta
- Edmonton Alberta
- Southern Alberta & area
- Central Alberta & area
- Northern Alberta & area
Types of coverage
Home insurance coverage varies from provider to provider and depends upon the size of your home, its age, value and location, your claim history and other factors. Most home insurance policies are broadly categorized into two types – property and liability.
Property insurance deals with damages incurred by physical property owned by you. Liability insurance covers any bodily injury and property damage sustained by others as a result of your actions, or actions that occur in your own or rented home.
To get you the best home insurance quotes Alberta, our insurance brokers match your requirements with corresponding home insurance coverage offered by insurers and work out the best deal for you.
Items covered under home insurance
Beneficial Insurance has tie-ups with the top insurance companies in Canada, and this enables us to offer you one of the best home owners’insurance Alberta.
Insurance policies vary in complexity and it is important to understand what is included in a policy. Broadly speaking, coverage options are classified into three categories:
Standard coverage:
Provides cover from damage caused by fire, lightning, wind storms and hail and specifically listed perils.
Broad coverage:
Provides general protection and a broad cover against specified risks.
Comprehensive:
Provides cover from damages caused by different factors, and is subject to exclusions.
Perils:
Within these categories, you could be exposed to perils and as an experienced insurance broker, we make an assessment of your exposure based on your location and situation and advise whether you should obtain a cover for perils or not. This makes your life a lot easier!
- Fire
- Lightning
- Earthquake
- Flood
- Hail
- Hurricane
- Power Outage
- Tornado
- Volcano
- Wildfire
- Winter Freeze
Customized options:
As your needs might be specific, our brokers work with you and recommend options with that come with riders, floaters or endorsements. These options comprise:
- High value items: Additional cover over your current plan for items such as jewelry, pieces of art, expensive bikes, sporting goods and collectibles, etc.
- Additional items: Additional coverfor more items added to home insurance policy.
- Additional Liability Insurance: Adding additional liability for you, your family and your pets.
- Sewer Back-up: Covers damagecaused by excess water and provides protection from costly repairs.
- Identity Theft: Provides protection from loss of personal information due to identity theft.
- Home Sharing Insurance: Provides protection when you are renting your home through platforms like VRBO and AirBnB with short-term rentals.
Our knowledgeable brokers can recommend a home insurance policy that is most suited to your needs. If you are looking for a home insurance solution, then call us at 403-250-3121 and to speak to our insurance experts today! At Beneficial Insurance Solutions, we work with you to tailor the home insurance policy to fit your needs and unique concerns.