Get Your Competitive Edmonton Home Insurance Quote Today

Edmonton home insurance policies cover many threats to personal property, the most common are fire, storms, vandalism, and theft. Our home insurance brokers in Edmonton will make sure you get the coverage you need at affordable premiums.

Home insurance is considered cheaper in Edmonton because there is less risk of some natural disasters, like wildfires.

The most common threats Edmonton homeowners face are natural disasters, like hail, floods, windstorms, and snow/freezing temperatures. If you’re worried about any of these perils and are searching for “homeowners insurance near me,” talk to our brokers to get the right home insurance coverage in Edmonton.

Each insurance company provides different rates based on the benefits they offer, along with other factors. At Access Insurance, we compare prices to bring you the best options from the top companies in the industry.

If you lose a valuable covered item, the insurance company might follow different approaches depending on your house insurance coverage. The replacement costs option means you will be reimbursed for the same amount you would pay to replace the item. The other option is called actual cash value, which calculates the item’s value in the market, deducting a depreciation amount from the original price.

To get the best homeowners’ insurance in Edmonton, review the coverages you need and compare quotes provided by different insurance companies. An insurance broker will assist you in finding the best rates and insurance coverage.

Yes, typically, a standard policy includes fire but as every coverage is unique, we advise checking with your insurance broker or Edmonton home insurance provider about the insured perils included.

Yes, you can get renters insurance or condo insurance coverages, which are similar to homeowners’ insurance with a few key differences. Homeowners’ insurance covers the entire structure of the house, while condo and renters’ insurance focuses on your belongings and liability within the unit. If you’re unsure which type of coverage is right for you, it’s always a good idea to get some homeowners insurance quotes to compare with renters or condo insurance options. That way, you can find the policy that best suits your needs and budget.

The first step when damage or loss occurs is to document the event with pictures and videos. Then, you should contact the insurance provider right away to file the claim. An adjuster will meet in person and try to assess the damage. After filling in all the required documents, you can review the settlement offer and get paid to make the required repairs.

Broad and comprehensive coverages include coverage for your personal belongings. However, it’s important to review the policy details to ensure that the coverage limits are sufficient to protect your valuable items such as electronics, jewelry, and other high-value possessions. If necessary, you may want to consider adding additional coverage or a personal property endorsement to your policy.

There are several ways to reduce your home insurance rate. Installing safety features like security alarms, smoke detectors, and deadbolt locks can often qualify you for discounts. Additionally, maintaining a good credit score and bundling your home insurance with other policies, such as an auto policy, may also help lower your premium. It’s always a good idea to review your coverage with one of our brokers who can provide personalized advice on how to optimize your insurance coverage while keeping your premium affordable.

Edmonton home insurance will not cover intentional actions, civil war, fraud, criminal activities, and maintenance costs. Your home insurance policy is designed solely for unintentional, unexpected losses. Read your policy to familiarize yourself with your home insurance policy details.