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3 days ago · by · 0 comments

3 Insurance Myths to Be Aware Of When Buying Car Insurance

Plenty of myths plague the world of car insurance, and for those looking to obtain their own policy, these myths can easily be believed to be fact, thus affecting the final decision. For instance, some people actually believe that the colour of the car affects insurance premiums. Sure, there may be stories that different coloured vehicles may be more susceptible to car accidents, but insurance providers do not take this into account!

Were you one of those that previously believed in that myth? If so, then it’s time to really review everything you’ve heard about car insurance! Today, we are going to tackle various car insurance myths to ensure you pick the right coverage for your vehicle:

Myth 1. Speeding Tickets Will Not Affect Your Insurance Premium

Unfortunately, they do. Insurance providers consider the speeding tickets you may have incurred, simply because this means added risk of offering you an insurance plan. In fact, if the issue is severe enough, they may not renew the plan with you at all! As such, if you have any unpaid fines or speeding tickets, cover them right away and stick to the speed limits at all costs.

Myth 2. Insurance Policies Do Not Take into Account the Car Model

Car models certainly affect the insurance premium you have to pay. This is because different car models will have different repair costs, safety ratings, risk of theft, and other such liabilities.

If it is statistically proven that your car is much less likely to be involved in any type of damage, the insurance premium you will be paying will be much lower versus one that is at a higher risk of accidents. As such, if you want access to insurance policies with low premiums, pick a car that is ranked low risk! Remember, the lower the risk, the cheaper the premium.

Myth 3. Your Premiums Do Not Change Depending on Where You Live

Much like how a car model can affect the premiums you deal with, where you live also does affect it. This is because different areas of the country have different factors, like auto theft rates or road accident statistics. For instance, your car may be more likely to be stolen in a rural area versus an urban area. That said, urban areas have much higher rates of car accidents simply because there are more cars there!

All of these factors are things the insurance provider will consider, and they will affect the final cost of your insurance policy.


There are many myths that float around the car insurance world—many of which may affect what you believe to be the right price to pay for your car insurance. As such, searching up what you’ve heard to figure out whether they’re true or not is a must-do to ensure you have the right facts in your hand to make the best decisions!

If you still need assistance in picking the right insurance, don’t be afraid to reach out to a local insurance provider. They will help you understand what goes into setting up a policy for you, giving you a clear picture of how much you are paying, why you are paying that amount, and the benefits you will get!

Direct-Line Insurance is your local insurance provider in Alberta helping to cover homes, autos, businesses, and more, offering the protection needed to give everyone peace of mind. If you are looking for car insurance, reach out to us today!

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1 week ago · by · 0 comments

4 Tips to Reduce the Risk of Fires on Your Farm

Much like how house fires are a real and significant risk to homeowners, barn fires are the same for farmers! Each year, millions are lost to fires, and the equipment, livestock, and many other things lost can equal—or often even overtake—the cost of the burned-down structure itself.

That said, the bigger the farm is, the more challenging it is to ensure that the risk of fire is minimized. Although you might be thinking of strategies to fight off a fire, you must realize that the best solution to a problem is to stop it from ever happening in the first place!

Are you a farmer trying to reduce the risk of a barn fire? If so, here are excellent tips you can follow that can massively reduce the risk for you:

1) Keep Your Farm as Tidy as Possible

The messier your farm is, the higher the risk of fire that can happen! This is because when items are sprawled out everywhere, it just means that there are more hazards strewn about, and more ways for a fire to spread. On the other hand, if things are kept tidy, not only is the risk of fire much lower but should a fire start, not having things bunched up together ensures the fire has a much tougher time spreading!

2) Have a Fire Risk Assessment Carried Out

An excellent way to figure out how much risk your farm is at a barn fire is to have a fire risk assessment done. This service is generally accessible through your insurance provider or even the local fire department.

The good news is that the service itself is typically free of charge! Looking at the possibilities of fires by yourself can be tough, but these professionals have the experience to tell you what can lead to a fire, giving you recommendations on how to reduce the risk of a fire.

3) Be Careful When Handling Fire or Heat

Once in a while, you may find yourself needing to handle an activity that pumps out an incredible amount of heat. For instance, you may be cutting metal pieces with a torch or doing some welding. These are known as hot works—and the heat and sparks created from them can cause a fire.

If you are carrying out hot work, always be sure that you are doing it out of the building and away from anything combustible. If you have to work in the building, ensure it is well ventilated and that anything prone to catching fire is nowhere near your working area!

4) Repair or Replace Any Equipment That Looks Deteriorated

Over time, the equipment you use, especially the ones you use often, will slowly deteriorate. This can lead to overheating or even shortages that can lead to fires, and the older the equipment, the higher the risk it is for it to catch fire!

What you need to do is carry out any necessary repair and maintenance on equipment that looks deteriorated. If you find it incredibly hard to fix or repair, then replacing the equipment is an investment that you should consider.

It might be expensive to replace certain equipment, but this is nothing compared to the financial burden of a barn fire!


At the end of the day, you have to do whatever it takes to address the issue of barn fires. Prevention is key in saving your farm from a costly fire that may do more than hurt your finances. As such, implementing the above tips to reduce the risk of fire is a must for a restful night after a long day’s work!

That said, we are not saying that you should not have any plans to stop a fire should they occur. Having an emergency plan to prevent fires and another one to fight fire is a must! Remember, anything can happen on a farm—and fires are just one of them!

Direct-Line Insurance is a brokerage in Alberta that offers a customer-focused approach to providing insurance policies to our clients. If you are looking for farmers’ insurance in Edmonton, reach out to us today and get the policy you need!

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2 weeks ago · by · 0 comments

The Basics of Looking After Your Vehicle—What to Do

Transportation is an essential part of people’s lives because it lets you get from one point to another conveniently every day. If you own a vehicle, then you’ve invested a significant amount of money at one point in your life to acquire it and apply for car insurance to receive protection.

However, your expenses don’t end there. You have to look after your car with care if you want to keep using it for the years to come without potential issues due to climate conditions and unforeseeable reasons, such as potholes.

As a result, bringing your vehicle to the shop for regular maintenance is a fundamental way to keep it in good working condition. Keep reading below to find out how you can take the matter into your own hands and maintain the excellent upkeep of your car.

Inspect Its Oil

Before you begin driving your vehicle down the road, you must guarantee that the oil it runs on is the correct type and amount its engine should have. You could reach out to the manufacturer or read through your car’s manual to know the right oil to use.

Other than that, you should seek oil and filter changes frequently to make sure your engine is free from sludge and particle buildups that could affect your engine’s performance over time. Generally speaking, you should request an oil change every time you reach 3,000-7,500 miles, but talking to a car mechanic is better to manage your specific car’s needs accordingly.

Run Its Battery

The batteries of your car can extend their lifespan for up to five years, given that you take care of it and do what you can to keep it running correctly. One way to prolong its battery life is by trying out the output voltage level using a car battery tester or multimeter.

When you utilize the proper tools, it will show you how charged the battery is through the readings it produces. However, when you receive poor results for your car’s battery, you should contact your trusted mechanic for assistance.

Manage Its Fluids

Your vehicle requires adequate fluids to operate well. It includes applying proper lubrication and cooling liquids to keep it running at the optimum condition at all times, no matter the season. Whether it’s during a warm summer day or a freezing winter night, you need your car to get to places.

If you want to make sure you won’t experience problems every season, you should refill your car’s fluids at the beginning of summer to keep it from overheating due to the scorching hot temperatures. Your job doesn’t stop there—you should also inspect the fluid levels one more time before winter begins to prevent your engine from freezing.

Test Out Its Systems

When you take your car out for a spin one summer day or you go on a planned road trip, you want your vehicle to work in top condition, so things go according to plan, and you have a great time. However, when you turn on its air conditioning system one day, and it produces hot air instead of cool air, you know you’re in trouble.

Before you make plans that involve using your car for an extended period, you should check your heater and AC system routinely for any underlying issues. Its broken climate control could lead to worse problems, such as a leak deep in your car’s system.


Car maintenance involves plenty of methods, including inspecting the oil, running the battery, managing fluids, and testing out the necessary systems involved in keeping your car in good shape. To top it off, you should ensure that you have an insurance company to provide you with the auto coverage you need to keep you and your car safe at all times.

Are you looking for insurance near you in Edmonton for your vehicle? Direct-Line Insurance provides insurance for homes, autos, farms, and businesses. We strive to help people address their financial needs. Get in touch with us today to receive a quote!

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3 weeks ago · by · 0 comments

4 Benefits of Commercial Business Insurance to Know

So, you set up a business, and everything’s going well like nothing can go wrong until you get hit by a disaster. Now, you’re forced to take money out of your pocket to have repairs done, and you know this is going to hurt your business significantly. Now, the realization hit you—why didn’t you get commercial property insurance?

Don’t let this happen to you. Here are some of the reasons you should get commercial property insurance:

– It Will Help You Cover Financial Losses

Small- to medium-sized businesses need commercial insurance. This will protect the business from significant financial losses. With this, your insurance will pay for repairs and other things under your policy should your business get hit by a natural disaster or other similar events.

– It Will Make Your Business Look More Credible

Look at this from an outsider’s perspective—when doing business with a company, which one would you go for? An uninsured business or an insured one? Of course, you’d go for the latter because it shows credibility.

As a business owner, you want to look credible out there, and one way to do that is by having your business insured. It’s professional and will also provide your suppliers and customers reassurance that there’s a way out of them should your business can’t honour your commitments.  Many businesses require proof of insurance before dealing with another business.

– It Can Protect Your Business From Interruptions

If your business has to close for a period or halt part of your operations, your insurance can insure lost revenues will not be missed during this period of business interruption. However, commercial business interruption insurance is supplementary to regular commercial property insurance.

Conventional property insurance policies provide insurance against property damages. Business interruptions can be covered as an addition, which can help replace lost sales or income while the business is closed. This will let entrepreneurs cover expenses that may occur during the closure.

– It Will Give You Peace of Mind

Owning a business can be extremely stressful even when you don’t think of the negative scenarios that might occur, such as theft, fire, weather-related losses and many more. A commercial business insurance policy will help mitigate the risks effectively. Since you can’t predict the future, you can protect your business now, and one of the best ways to do that is having it insured.

Find a Good Insurance Company

Now that you know the benefits of having commercial business insurance, take time to find a good insurer. There are many insurance companies out there, which can be overwhelming, especially if it’s your first time to do this. Do your research properly and shop around. You want to get the best rates for your business that will provide you with the best coverage.


One of the things you need to think of when running a business is its protection. Aside from making your business succeed, you need to ensure that it’s protected at all times. You can’t predict the future, and it’s only wise to make sure your business is covered should something go wrong. With commercial insurance, you’re protecting not only your business but also your own finances.

Ensure your business is protected with commercial insurance. Direct Line Insurance is one of the most reliable insurance brokers in Edmonton, AB, providing insurance for all types of businesses. Get a free coverage review today!

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3 weeks ago · by · 0 comments

Exploring the Types of Auto Insurance Coverages and Their Importance

Imagine having that dream car of yours right in front of you. You’ve spent years dreaming about that car and saving money just to get it. Now that you have it, you’re suddenly faced with a dilemma: you can’t drive the car because you don’t have auto insurance.

Whether you like it or not, auto insurance is a necessity and is actually required by law. Even if you don’t enjoy shopping or paying for it, car insurance is something you’ll be glad to have when you need it. So, it’s best to try your best to know everything there is to know about auto insurance in Canada.

How Does Car Insurance Work?

Car owners must pay a monthly insurance premium to protect themselves from possible financial loss associated with road accidents and auto theft. The amount you pay for the premium depends on the insurance provider and is usually based on several factors, including but not limited to:

  • The estimated cost to replace the insured vehicle
  • The risk associated with the insured motorist
  • Crime levels in the area where the motorist resides

You need to be extra careful in reviewing your contract because your insurer is not liable to pay for losses that fall outside the scope of your contract. Any little detail you missed could cost you a lot of money, so you need to do your homework and consult your insurance broker.

What Are the Types of Insurance Coverage in Canada?

Understanding what each type of coverage can provide in your auto insurance and its costs can give you a better idea of what you’re getting into. The minimum level of auto insurance required in Canada varies depending on the province, so you must familiarize yourself with the insurance requirements in your province.

Third-Party Liability Coverage

This is perhaps the most basic type of insurance coverage, which protects you against paying for damages you caused to someone’s property or injury to someone. This will take effect in the event that someone is killed or injured as a result of an at-fault car accident that you committed. This type of insurance covers the medical costs of anyone injured in an accident.

Collision Coverage

This provides financial compensation for damages that occur to your vehicle due to a collision or accident. Collisions involve accidents with another vehicle or a stationary object. This is often one of the most expensive components of any insurance policy, and the premium varies depending on the vehicle, driver, and many other factors.

Comprehensive Coverage

The third type of car insurance is comprehensive coverage. As the name suggests, comprehensive coverage provides a broad range of protection. It protects you against loss from events that aren’t directly related to the operation of the vehicle or your actions. That means theft, floods, even vandalism are covered by this. Additionally, damages caused by a flying object like debris from another vehicle are also within its scope. But a broader range of protection also comes at a cost.


Driving a vehicle is considered a basic necessity for many Canadians. But once you’re behind the wheel, there’s always the risk of something bad happening. As a driver, it’s your responsibility to get good coverage from reputable insurance companies.

Direct-Line Insurance is your one-stop-shop for all your insurance needs. We are a thriving brokerage that will help you get the kind of protection you need. From home insurance to commercial and car insurance policies, we do all the work and shop for the best deals for you. Contact us today to learn more!

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4 weeks ago · by · 0 comments

Debunking 3 Common Myths About Canadian Auto Insurance

Getting car insurance is a fairly rudimentary process that’s as essential as buying the vehicle itself. For years, institutions and automotive safety professionals alike have emphasized the need to invest in appropriate products because of the constant risks of being on the road. Regardless of what car you drive or how much you travel in a year, having car insurance will always be important because of how much of a difference it makes when disaster strikes.

As you come to terms with the fact that you’ll eventually need car insurance, there will be a few things that you may wonder about along the way. Thanks to the abundance of available options (such as those carried by Direct-Line Insurance), it is important to further investigate before making a decision.

Amid all the different pieces of knowledge that you’ll need to consider as you shop around for the perfect car insurance product, you’ll eventually get to the point where you’ll be more concerned about the myths that you may have heard.

Going Over a Few Common Car Insurance Myths

While misconceptions are an inevitable part of everything we deal with in our lives, they’re especially common when it comes to car insurance. Drivers need to do a little homework to make sure they make the best decision for their car insurance.

To help ensure that you approach the car insurance purchasing process from the most informed standpoint possible, let’s go over three common myths surrounding the product:

1) “My Car Insurance Will Not Be Affected When Someone Borrows My Car and Gets into an Accident.”

One of the most common grey areas in the car insurance world is the part that deals with borrowing and unforeseen accidents.

The one thing you need to know about insurance policies is that they’re closely tied to the vehicle that it is purchased for. This means that when someone borrows your car and gets into an accident, your car’s policy itself will end up being affected. On top of all this, an accident without your involvement can still cause your auto premium to rise, which only solidifies the fact that you’re responsible for what happens to your car.

2) “The Best Coverage Will Always Cost a Pretty Penny.”

This isn’t necessarily the case.

The best type of policy is one that provides you with the right type of protection for your individual situation.  You need to work with a broker to determine what coverages are important to you and also which work within your budget.

To find out what type of car insurance policy works best for your needs without breaking the bank, Direct-Line Insurance’s representatives will do a needs-based analysis to set up a policy that is tailor-made just for you!

3) “The Minimum Policy Required by Law Is More Than Enough.”

Over the years, the importance of car insurance has been further emphasized by the fact that Canadian road law requires that every vehicle has a minimum policy corresponding to various factors. Although the minimum acceptable policy is set as such for a reason, it’s much more ideal to go far beyond the bare minimum because baseline policies aren’t enough to provide additional forms of protection, such as:

  • Property damage coverage
  • Third-party liability coverage
  • Statutory accident benefits coverage
  • Direct compensation
  • Uninsured automobile coverage


At this point, you now know that buying an auto insurance policy is not as straightforward as it used to be. With hundreds of available products and far too much jargon, it’s important to be mindful of the right considerations you need to watch out for. Through this guide’s help, you can ensure that you end up making the right decisions moving forward!

At Direct-Line Insurance, we take immense pride in being one of the top vendors for Canadian direct auto insurance in Alberta. If you’re looking to protect your car as best as possible in the long run, schedule a consultation with our experts ASAP!

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4 weeks ago · by · 0 comments

Understanding Canada Insurance Coverage for Natural Disasters

No matter how you look at it, emergencies and natural disasters are something hard to anticipate as they can happen anywhere at any time. Natural disasters in Canada especially come in all forms, from ice storms in February and flooding in April to wildfires in August. It only makes sense to go to insurance companies and be covered to protect you and your possessions when disaster strikes.

Insurance for Natural Disasters in Canada

Canada may be best known for our winter sports and ski slopes, but little did people know that Canadians experience all kinds of weather events that could prove disastrous at times. Each type of disaster has its own kind of dangers that Canadian insurers deal with when crafting their policies. If you’re interested in getting a policy of your own, it’s important to know how coverage works for different kinds of disasters.

Key Elements of Natural Disaster Insurance in Canada

Natural disasters are becoming more common in Canada, so it’s important that you discuss important items that can affect whether or not a claim will be covered:

– Types of Natural Disasters & Other Weather-Related Risks

These are important coverages to talk to your broker about:

  • Fire – Home fires and wildfires
  • Ice and snow – Damage caused by the weight of snow, as well as leaks and frozen pipes that burst
  • Hail – Damage to both your home and vehicles
  • Wind- high winds can be destructive to buildings and vehicles
  • Water- rain and seepage from the ground
  • Overland Flooding
  • Sewer Back-Up – whether from a plugged drain or toilet or from municipal sewers backing up
  • Landslides
  • Earthquakes

– Location of Residence and Place of Work

Different geographic areas may have different insurance coverage options for natural disasters. If you live in a flood plain, it’s important to have flooding to be covered by your insurance. The same goes for an area known to be bombarded by hail and ice storms. If you’re not sure what coverage is available in your location, it’s best to consult with your insurance broker.

– Property Type and Personal Circumstances

In the same vein, as health insurance considers your personal medical history, insurance for natural disasters also considers the type of structure you own and the property it sits on. The age of your building or home and its value is also a huge factor influencing your coverage options and costs.

– Insurance Provider

Of course, every insurance provider has its own stipulations in their policy regarding emergencies and natural disasters. Different insurers carry their own menu of coverage options that may vary greatly from each other. While the provincial government regulates many aspects of the insurance industry, insurance providers do have some flexibility to package their insurance products depending on their own preferences.


Looking at all those considerations, home insurance and car insurance for unexpected events and disasters can vary greatly. Whatever your needs are, make sure to refer to this guide and ask your broker what coverage options are available for you.

If you want to get the most out of your insurance policy, it’s best to work with a brokerage you can trust. Direct-Line Insurance acts as your one-stop shop for insurance policies that offer great value to its clients. As one of the leading insurance brokerages in the country, our independent insurance brokers will save you time and money at no cost. Contact us today to get an insurance quote!

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1 month ago · by · 0 comments

A Beginner’s Guide to Car Insurance Coverage in Canada

If you own a car, it would be in your best interest to be knowledgeable when it comes to the topic of car insurance. Now, many of you may be a little worried as this topic is often perceived to be one that’s complicated and convoluted. And while it can be rather tricky at times, it’s not something that you can’t easily learn if you put in the time.

If you’ve read our article on debunking car insurance myths, then you know that half of the battle when it comes to this topic is discerning valid information from false information. To help you out with this, we’ve prepared a brief guide on car insurance coverage in Canada. To simplify things even further, the main goal is to address the vital parts of insurance by tackling what is important in car insurance!

Insurance Coverage for Other Parties

The most important coverage for vehicle owners would have to be minimal liability and property damage coverage. Liability damage coverage protects other drivers on the road from potential harm that you could cause. And while you may not think that this is needed, it’s important to note that the latest data gathered by Transport Canada highlighted that there are over 150,000 cases of injuries due to car accidents every year.

On the other hand, property damage coverage does the same but for people’s property. Now, this doesn’t only cover cars as you could potentially damage other things such as guard rails or traffic signs. If such events do happen, property damage coverage will aid you up to a certain point, depending on the policy of your chosen coverage provider.

Insurance Coverage for Yourself

Aside from protecting others and their property, you’ll want to do the same for yourself and your vehicle. This is why you’ll also want to look into physical damage coverage that will help you deal with the costs of car repairs in case of accidents.

Typically, comprehensive coverage will deal with costs concerning everything that isn’t related to collisions. This includes but is not limited to fires, theft, vandalism, weather, and wildlife. Again, some of the things mentioned may not be covered as this will depend on your coverage provider.

Conversely, collision coverage will help you deal with the damages to your car caused by impacts. Now, this doesn’t necessarily mean car-on-car collisions. While vehicular collisions are included, you’ll also be covered in case you accidentally crash your car into other objects. It doesn’t matter whether it’s a tree or a stop sign, as this type of coverage will cover all collisions. One important thing to note is that the collision coverage will pay out minus your deductible. So, be sure to consider this when choosing a coverage provider.


Hopefully, this information proves to be useful when it comes to helping you understand more about car insurance. Be sure to keep all of the information mentioned above in mind when you’re looking for car insurance, as it can help you in case you ever find yourself in a financial bind due to automobile accidents. We also suggest going through insurance providers’ policies before purchasing their services because each place offers different policies that can be detrimental or beneficial for you as a car owner.

If you’re looking for the best prices for car insurance in Edmonton, AB, then Direct-Line Insurance is just what you need. We are an all-around insurance provider for homes, cars, businesses, and farms. For more information on our services, contact us today!

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1 month ago · by · 0 comments

A Crash Course on Auto Insurance: Debunking Some Myths

Are you planning to get a car for the first time? Then you have probably heard about the importance of car insurance from your parents, your friends, and acquaintances. They may all agree on some things but not on everything Don’t just take anyone’s word on it – talk to a licenced insurance broker who can guide you through your decision.

Car insurance is not something that needs to be debated. There are facts that you need to strain from the myths. Here are some common misconceptions about car insurance that need to be addressed.

Myth: Older Cars Get Lower Insurance Premium Rates

If you’re on a tight budget, you might purchase a car that’s used. You might think that you may not get big insurance premiums on your older vehicle. The truth is that it is not the only factor that insurance companies take into consideration.

While most old cars may get lower premiums, the age of the vehicle is not always the primary reason why. Companies look at the make and model, the driver of the vehicle, and how the vehicle will be used. The best solution to get better deals is to talk to your broker openly.

A conversation with your insurance broker is all you need to see what rates and policies you qualify for. Ask all the questions you could possibly ask about the policies to see if you are eligible for any other coverage.

Myth: Red Cars Cost More to Insure

The myth of red cars costing more isn’t entirely traceable, though it is popular among many car owners. But don’t be upset if you were planning to get a red car. The colour has nothing to do with insurance costs. Why? Because charging more for the colour of the car doesn’t make any sense.

The only factors that matter are those you can control: your driving history, how far you drive, and more. The car’s structure also plays a role in insurance debacles. If your car is hard to steal and less prone to damage, the less you pay for insurance.

Myth: Parking Tickets Affect Premiums and Demerit Points

Parking tickets aren’t a felony. Even the best drivers can get them sometimes without their knowledge. Do they affect your premium? No. Will you incur demerit points? No. However, speeding violations and similar incidents can earn you demerits.

But just because these don’t affect your insurance doesn’t mean that you should put off paying them. Unpaid parking tickets can be a problem when you renew vehicle plates. Instead of letting them accumulate, pay them as soon as possible.


Auto insurance is required by law across the country, but that doesn’t mean that all insurance deals are the same. Car insurance can vary across cities and provinces in Canada. Rates, insurance delivery, and minimum coverages are all different. Public and private systems are also an option when it comes to your auto insurance.

If you’re looking through these myths, you are most likely on the hunt for car insurance quotes, comparing one to the other to find the best one. Well, the search can stop here. Direct-Line Insurance is an all-around insurance service for homes, cars, businesses, and farms. Contact us today!

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1 month ago · by · 0 comments

Protecting Your Assets: Getting to Know Farm Insurance

Protecting your property with insurance should be a priority, especially if you have specific needs as a property owner. Regular home insurance policies, for instance, just don’t offer a similar level of coverage that a farm needs. Mistaking one for the other can cause you to miss out on benefits that will fit the potential issues you need to prepare for.

Finding the Right Farm Insurance

Homeowner’s insurance policies cover a dwelling, its contents, and other detached structures around the property for personal use. The protection of these real estates usually covers burglaries, natural disasters, and accidents that can occur on-site, which can be grounds for personal injury claims. In contrast, farm insurance covers specific clauses that fit a ranch or farm’s needs. Besides protecting your personal belongings, farm insurance also has a heightened level of securing your commercial liabilities like silos, fencing, and barns.

Although farm insurance may be a better fit for you, you should still be picky about finding the right insurance provider. Knowing what to look for in the premium you should secure will give you some insight on which policies are better than others.

Before you get farm insurance, here are three things you should consider:

1) Scope of Coverage

Farms can be personal dwellings and businesses in one property, which is an important distinction when protecting your assets. For example, your personal belongings  and farm equipment must be listed separately on the policy Since every farm will have different tools and business procedures, farmers must ensure that all their trade tools are covered to avoid issue in case of a claim.

2) Changing Policies

It’s not uncommon to change insurance policies, regardless of what kind of asset you’re protecting. For commercial farm owners, it’s important to have flexibility in swapping policies from time to time. This is because purchasing newly acquired livestock and equipment can require you to secure better deals on your needs with a better plan. Additionally, noting these renewal clauses enables you to look for other insurance providers promptly. When looking for farm insurance, you should double-check the terms for renewal. Typical renewal notifications are issued 30 days in advance at the earliest to allow you to discuss any changes with your coverage plan.

3) Insurance Factors

Like any asset, your insurance rates will depend on the potential and current value of your assets. Similar to real estate properties, your farm will have a particular value depending on its location. However, you also need to consider if the agri-business you’re in is high-risk or not with your environment. This involves assessing the surrounding livestock, equipment, and other tools you may have in running your operation. Farmers must take an inventory of their assets and consider these variables when looking for farm insurance to completely protect their investments. Doing so allows you to prioritize depending on what requires the most protection under the farm policy you’ll get.


How you protect your property should cover your personal belongings and also extend to your business assets in owning a farm. Farm insurance doesn’t just cover structures around your property; you can also secure liability coverage for heavy equipment and even certain livestock. This is why it’s vital to secure the best insurance policy you can get for your farm’s needs.

If you need a farm insurance broker in Edmonton, AB, we’re the right firm to call. Direct-Line Insurance’s quality service dates back to the 1940s, making us an established name in Alberta for different insurance needs. Contact us today to experience our customer-focused approach in protecting your future.

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