Access Insurance: Your Trusted Insurance Broker in Edmonton
Living in a big city like Edmonton can have its pros and cons. As an Edmonton resident, you probably feel like shopping for insurance in Edmonton is on the cons list, but we’re here to change your mind.
Access Insurance is one of the best insurance brokerages in Edmonton, and we work hard to serve our clients across Alberta as well. With over 40 years of experience in the insurance industry, our brokers understand your insurance needs as an Edmonton resident.
Are you looking for reliable insurance coverage in Edmonton? Whether you’re looking for home insurance, auto insurance, or commercial insurance, an experienced insurance broker in Edmonton from the Access Insurance team will take you through the process of exploring your insurance options, understanding your coverage, and purchasing your policy with minimal hassle and maximum efficiency to ensure you have the protection you need as soon as possible.
Want to get started and leave your insurance worries behind? Read on to explore our services or contact us now for a free quote.
Get Reliable and Personalized Insurance Solutions with Access Insurance in Edmonton
As the 5th largest city in Canada and the home of over 1 million people, Edmonton is a big city that definitely has its charms – but there are many risks associated with living in a large city that prospective and current residents must be aware of.
One of the most well-known facts about insurance, in general, is that it can be more costly to purchase insurance in big cities than it is in smaller ones. Edmonton is no exception. According to the Automobile Insurance Rate Board’s 2022 Market & Trends Report, insurance premiums are higher in large cities compared to the rest of Alberta, and Edmonton has consistently had higher average written premium than Calgary. In 2021, premiums in Edmonton were 6.1% higher than in Calgary.
It’s only natural, then, that you would feel tempted to save on insurance and get the cheapest policies you can find. But one thing about insurance is that the cheapest coverage is almost never the best, and it’s a fact that lots of people find out about the hard way. Additionally, it can be hard to navigate pages of fine print and understand policy details and limits. In fact, survey results published by Insurance Business magazine show that one of the top concerns for insurance buyers is how complicated the process can be.
This is why, at Access Insurance Edmonton, we take it upon ourselves to find you the insurance that keeps you protected and doesn’t strain you financially. An expert insurance broker in Edmonton will take the time to study your individual needs and ensure that you’re only paying for the coverage you need.
Discover Our Edmonton Insurance Services
Home Insurance in Edmonton
As a homeowner in Edmonton, you may have already spent countless sleepless nights worrying about having the right insurance policy that protects you and your home. And if you’re a new or prospective homeowner, you may be wondering what home insurance in Edmonton exactly covers and how you can make the most of it.
Generally, home insurance policies in Edmonton comprise of the following coverages:
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Third-Party LiabilityOne of the most important coverages to have as a homeowner is third-party liability coverage. This policy protects you financially in the event that a third party claims you are liable for an injury they sustained or damage done to their property while on the premises of your home, and it cover the costs of legal defense, settlements, awards, or medical bills.
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Building and Detached Structures
This policy protects the physical structure of your home, as well as any detached structures, like a shed, fence, or garage. With home insurance, you can protect yourself from incurring major financial losses after damage resulting from covered perils, like rain, fire, or theft, as your insurance provider will pay for rebuilding or repairs, up to policy limits. -
Contents
Your personal belongings and contents of your home are also covered by your home insurance policy; it will pay to replace or repair your lost or damaged personal property after a covered peril. However, it’s important to keep in mind that more expensive items may need to be added to the policy as extra coverage. -
Additional Living Expenses
In the period following a covered peril, you and your family may need to temporarily relocate from your home while repairs are ongoing. In this case, your insurance policy will cover your additional living expenses, which can include hotel bills, meals, or storage. -
There’s nothing more important than fine-print when dealing with insurance. This is why it’s recommended to seek the services of a home insurance broker in Edmonton to help you understand your policy and its limits well.
- Looking for home insurance in other Alberta cities? We’ve got you covered! Find comprehensive coverage options throughout the province:
Home Insurance in Stony Plain
Home Insurance in Red Deer
Home Insurance in Beaumont
Home Insurance in Leduc
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Unlock peace of mind with our expert home insurance brokers. Decode the fine print, tailor your coverage, and get a quote today for a worry-free tomorrow! |
Auto Insurance in Edmonton
Car insurance is mandatory across Canada, but that’s not the only reason you should invest in a reliable auto insurance policy as an Edmonton resident. Even if you are a very careful driver, there’s always the probability that you may find yourself in an accident or a sticky situation that would be easily resolved with the help of auto insurance.
It’s mandatory for your auto insurance policy to include the following coverages:
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Third-Party LiabilityIn the event that you cause an injury to a third party or damage to their property while driving, third-party liability coverage will provide you with financial coverage. Across Canada, different provinces mandate different minimums for this coverage; however, in Alberta, the mandatory third-party liability coverage minimum is $200,000.
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Accident BenefitsIn the event of an accident, accident benefits coverage provides you with financial coverage for medical costs, regardless of whether or not you’re at fault. This coverage applies to other passengers in the car, and it can also extend to pedestrians or cyclists, and it may also cover expenses like funerals, rehabilitation, or income replacement.
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Direct Compensation for Property Damage (DCPD)DCPD is mandatory coverage in certain provinces, including Ontario, Nova Scotia, Alberta, Quebec, and Newfoundland. DCPD provides you with financial compensation for damage to your car if you are in an accident where you’re not at fault. It’s called “direct” compensation because you deal directly with your own insurer for all no-fault claims. It’s also important to note that this coverage only applies when an accident occurs in a province where DCPD is mandatory and the vehicles involved are identified and insured.
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You can further protect yourself and your car with optional coverages that you can add to your policy, like collision coverage, uninsured motorist coverage, all perils coverage, roadside assistance, and more. Looking for a reliable auto insurance broker in Edmonton? We’ve got you covered with a range of optional coverages that you can add to your policy, including collision coverage, uninsured motorist coverage, all perils coverage, roadside assistance, and more.
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For a reliable auto insurance broker, explore Access Insurance—get a quote and drive confidently! |
Commercial Insurance in Edmonton
It takes a lot of hard work and dedication to keep your business thriving, and we understand the value of your hard work and your ambition. At Access Insurance Edmonton, we offer business insurance solutions for businesses of different sizes and in various industries.
There are many types of commercial insurance in Edmonton that can help you secure your business’s financial future against risk:
Commercial Property Insurance
Protects your business’s physical buildings, like offices or storage units
Professional Liability (Errors and Omissions) Insurance
Liability protection for professionals who provide professional services or advice
Commercial Auto Insurance
Protects vehicles that your business uses for transporting employees, equipment, or products
Cyber Insurance
Protects your business from losses arising from a cyber-attack or data breach
Product Liability Insurance
Liability protection for businesses that manufacture or sell products
Commercial General Liability Insurance
Protects your business against claims of liability for injury to a third party or damage to their property as a result of your business activities
Commercial insurance is essential for securing your business’s livelihood and productivity. Businesses in various fields, like technology, retail, healthcare, construction, and more can benefit greatly from protecting their finances against major losses and reputation damage.
Additional info:
Looking for commercial insurance in Red Deer or Leduc? We’ve got you covered! Access Insurance offers comprehensive commercial insurance solutions throughout Alberta, ensuring your business is protected no matter your location.
Find the Protection You Need Seamlessly and Quickly with an Access Insurance Broker in Edmonton
Access Insurance has been operating as an insurance broker in Edmonton for over 40 years, and throughout these years we’ve had the pleasure of providing reliable and customizable insurance solutions for people looking to protect themselves with home insurance, auto insurance, commercial insurance, recreational insurance, pet insurance, farm insurance, and lots more.
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Do you want to get started? You can get a quick online quote for your desired insurance policy or speak with one of our insurance experts to get all your questions answered. |
Insurance in Edmonton FAQs
It’s important to view insurance as an investment towards your financial security. While it’s of course favourable to find the most affordable insurance, it’s not always the best idea to just get the cheapest option. With Access Insurance Edmonton, we work out the complex equation between affordability and reliable coverage so we can find you the coverage with the best value for money.
Like in all of Canada, insurance in Edmonton is fairly straightforward. You purchase a policy by paying monthly premiums, and in the event of a claim, you’re usually required to pay an up-front amount called a “deductible” before you get compensated.
Provincial differences, however, do exist. For example, some policy specifics in car insurance are different across different provinces. It may sound complicated, but don’t worry – our expert brokers will make sure you understand the fine print fully so you can make informed decisions.
The only type of insurance that is legally required in Canada is car insurance. Other types of insurance, like home insurance, may be required situationally – for example, landlords may require tenants’ insurance before renting their property to you.