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3 years ago · by · 0 comments

Myths About Insurance

When it comes to insurance, it is very easy to believe what we hear. Perhaps you have spoken to some family and friends about it. Most of them must have told you how seemingly impossible the coverage is. At some point, you can no longer differentiate the facts about insurance you learned from financial advisors and those myths that you heard other people say about insurance. And to honestly see the value of investing your money on home, car and business insurance, debunking the myths should be the first step to it.

Myth 1: Insurance Companies don’t Live up to Their Payment Plan

One of the worst fears of anyone who has put money in an insurance company is not to be able to get it when they need it the most. To think that insurance companies won’t pay out is a myth. Although there are some cases when the insurance company may refuse to pay, it is done for particular reasons. The common reason for the decline of the request is the non-disclosure of the client of valuable information. If you are not sure whether the information you have yet to provide is relevant or not, it is best to talk to an insurance advisor.

Myth 2: It’s okay not to Spill the Beans

If you think that it’s okay for you not to disclose all the information to your insurance company, to help keep the premiums down, then you are not helping yourself. In fact, you are putting yourself at more risk of not being covered by your insurance. It is necessary for you to spill the beans and tell your insurance provider everything that they need to know to strengthen your coverage. It is only through this that your investment becomes genuinely safe.

Myth 3: Insurance Coverage is Expensive

Can you imagine losing everything you worked so hard for after your home was put down by fire? Without insurance, you can only wish the heavens could give you enough money to rebuild your home from scratch. But that is just next to impossible. Weigh out the cost of insurance and the coverage that it provides. From there, you will see how precious it is.

If you are still not sure what type of insurance coverage to get, it would be best to talk to an insurance advisor. They can help you make the right choice.

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3 years ago · by · 0 comments

Should You Get Flood Insurance Too?

Has flooding become increasingly common in the area where you live? Apart from the heartache of seeing your hard-earned property get damaged right before your eyes, it is the also that cost of clean-up that can be very heavy on the heart and the pocket as well. If you live in an area where flooding has become common, it is best to get additional flood insurance as an add-on to your home insurance. Luckily for you, there are several insurance companies offering flood insurance coverage. Finding one has become easier than it was before.

What does it mean to have Flood Insurance?

If you have building insurance, damages as a result of flooding is a standard part of the package. However, it does not cover the damages the flood could cause the contents of your property. Unless you have insurance for the contents of your home, then you likely need additional flood insurance to make sure that everything is covered. What does it mean to have flood insurance? Here are some of the instances when they become useful:

· A river or canal bursts in its banks and your property becomes one of the victims.

· The flooding of seawater due to adverse weather conditions in the area.

· Groundwater was coming up the surface as a result of substantial rainfall.

What can you Expect to form Flood Insurance?

Dealing with the after-effects of the flood can be exhausting, but knowing that you have insurance to cover the damages if more than comforting. In particular, flood insurance includes the following:

· The removal of debris left in your place.

· The fees of professionals such as architects, engineers and even surveyors to make sure that the rebuilding of your property is done right.

· The repair of broken furniture or the replacement of them when needed.

· Repair, restore or replacement of everything else that the flood left damaged.

However, there is a considerable part of the flood insurance coverage that you also need to understand. It is best to talk to an insurance advisor for the specific concerns that you may have. It is important to remember that the insurance company will only pay out depending on the contents of your insurance as well as the cost of your coverage. Ask the insurance company if they follow the “new for old” policy. Other than the cost of getting your clothes replaced where usually a wear and tear deduction applies, most plans offer new for an old replacement policy. Ask, and you shall get answers. It is the best way you can get your home, and everything in it protected from the worst like damages brought by the flood.

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3 years ago · by · 0 comments

Do You Need Building Insurance?

Did you know that your home is considered a building? If you are the owner of you’re a house, insurance companies consider the home structure as a building. Thus you will need to purchase insurance coverage for its protection. The coverage will cover the damage, as well as the repairs, are necessary to get it back to its original state. However, if you are renting it out, it is your responsibility as the landlord to get insurance coverage for it. Tenants of your home structure are not required by law to have the house covered by insurance.

Unlike car insurance, home insurance is not compulsory. It means purchasing it depends a lot on you. However, if you are the owner of the property, buying home insurance should be on top of your priorities list. To learn more about what you are buying for your home, here are some of the questions that you may have and the answers straight from insurance advisors:

What do I Need to Know About Home Insurance?

Home insurance is an umbrella term that refers to two types of insurance policies. First, it relates to the building insurance. This means that the insurance covers the actual structure of the home. The permanent fixtures, as well as fittings of the house like the bathroom and kitchen, are all covered by insurance. On the other hand, the same term also refers to the content insurance. This type includes everything you keep inside your homes like furniture, personal belongings including the type of flooring and the carpet too.

Can I Buy Both Insurance Coverage at the Same Time?

Though you may buy these two separately, most insurance advisors recommend that you buy both. A joint policy from the same insurance company can also spell out savings on your part. Usually, insurance companies offer special rates if you purchase more than one policy under them. If the company provides business and car insurance policies, then that might be an excellent way to save on costs too.

What do Building Insurance Cover?

Falling trees, vandalism, fire and water damages caused by leaking pipes are just some of the situations that most building insurance cover. Depending on the policy you got, additional external structures like outside walls, fences, and even your garage might be covered by insurance too. To be sure, ask the insurance provider for the specifics.

Do you need to buy building insurance? If you own a home or a building you rent out, it is best to make this purchase. After all, your mortgage application will usually add this as a condition. Moreover, it is the protection of your property that you should be after.

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3 years ago · by · 0 comments

Car Insurance For Your Drivers: How Do You Get The Best?

Car insurance offered to young drivers are always the most expensive. Their lack of experience in driving puts them at higher risk for unwanted road accidents. However, being young doesn’t always mean still paying for more. Various ways can help young drivers spend less on their car insurance purchase.

Did you know that the car you’re driving helps decide the amount of insurance you are required to pay? If you drive a sports car that’s expensive, then you are likely to pay higher insurance coverage. Each vehicle is assigned a certain amount of insurance coverage. They are usually grouped from number 1 to 50. Cars that belong to group one are the cheapest to insure while those that belong to group 50 require the most expensive of insurance coverage. When you are young, it can be very tempting to buy the most costly sports vehicle. But think twice before you do. Settling for a less expensive vehicle is one of the best ways to reduce car insurance premiums.

And then there’s the possibility of falling under the category of being a low-risk driver. Being a young driver always puts you in the high-risk category until you gain experience. Each month that you spend driving adds up to your driving record, and as long as you don’t get parking tickets or get involved in accidents, you will be considered low risks. How do you do it? Be a responsible driver. Always park the vehicle correctly. Follow traffic rules and avoid violations. All these will help establish that you are a responsible driver.

Being a responsible driver is not just about saving yourself from accidents, but it also means savings on your insurance policy. But did you know that the use of your vehicle mainly the miles that it travels helps you save on insurance costs? If you only use your car to drive from home to the office and back, then the likelihood of you getting into an accident is very low. The familiarity of the route will help you save on car insurance costs.

Whenever you apply for car insurance, you will be asked how often the vehicle is used and for what purposes. If you use it as part of your business, then the insurance company might require you to pay more. If you genuinely want to learn how you can save on costs, it is best to talk with an insurance advisor. It is their job to help you understand the risks that the insurance sees in you and the many ways to get around it and pay less.

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3 years ago · by · 0 comments

Car Insurance For Young Drivers: Facts You Must Know

You have just passed your driving test, and your parents are making you choose a car. When you have completed both, it is time to deal with the car insurance. If you think you can drive away without buying car insurance, you are breaking the law. When caught, your car will be impounded, you’ll be issued a penalty fine, and you will have to pay a considerable amount to get your vehicle released.

What’s worse is that when you get into an accident without car insurance, you will be liable to cover the expenses of everyone’s injury and damages to property, even if you are not at fault. The mere fact that you have been driving around Edmonton without car insurance is already thought of as an irresponsible thing to do. You could lose your license and your chance to drive home your dream car.

So while it may seem all too overwhelming to pick just one car insurance policy among the many that seem to outweigh the others before it, you just have to deal with it. The cost of insurance today is nothing compared to the amount you lose if you drive your car around town without it.

Car insurance sold for young drivers are usually the most expensive. As a new driver, one must know the difference between coverage levels and how various factors affect the amount of money you need to pay. What are the details that you must know about car insurance for young drivers like yourself? How do you get your hands on the best deals with the lowest premiums?

Apart from your age, other factors come into play when the cost of your car insurance is calculated. The choice of your car as well as what you do for a living. How much you drive and the area where you live are all included in the computation of the risks that you come with. Insurance companies look at the dangers because ensuring your car is an investment for them. They could lose a lot if they charge you less than all the calculated risks combined.

But the good news is that your insurance rate becomes lower as you age. The impeccable driving record that you made for yourself will help you get less insurance. The less parking or traffic tickets you get, the better driver you become as you age. The insurance rates will drop significantly. If you are not sure if the policy you are looking at provides that protection you require, it is best to consult with an insurance advisor. They can answer all the questions you may have and may even provide insight on what you can expect.

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3 years ago · by · 0 comments

How To Choose The Right Level Of Coverage For Your Car

Everyone who wants to own a vehicle is legally obliged to buy car insurance. There are various considerations to make before you find the right policy that best fits your needs and covers the risks that you may find yourself in. In fact, most insurance experts qualify that car insurance may be classified into three distinct levels and the most comprehensive one is usually the most affordable. It pays to know what you need and what you can afford.

What Type Of Car Insurance Do I Need?

Your need for coverage may depend on how often you use the vehicle and for what. Yes, you are legally bound to buy at least the most basic of insurance policies. It is often referred to as the third party insurance. This type of insurance covers the damages that an accident may incur on the third party. Even if you don’t drive the car, you must have this insurance, at the least. Perhaps the only time you are excused from buying car insurance for your vehicle is when you officially register your car as off the road. Even this will come with a certificate.

What Are The Three Levels Of Car Insurance?

·         Third party insurance

·         Third party, fire and theft car insurance

·         Comprehensive car insurance coverage

What’s The Difference Between These Three?

The third party insurance is the most basic you need to buy. This coverage includes all the other people and properties involved in the accident except you. If you have injured somebody during a crash, their medical expenses will be covered. But if your car gets damaged or stolen, you will have to pay for everything yourself. Although at a glance, this type of insurance may be the cheapest, but not in the long run.

A third party, fire, and theft car insurance is much like the first level insurance because it only covers other people. The only difference between the two is that it includes damages to your vehicle. It also covers the replacement of your car in case it gets stolen.

Fully comprehensive insurance coverage is the highest level of all types of car insurance. In the beginning, it seems like it’s the most expensive, but in truth, it is actually where you can get all the savings. With this insurance, you can claim for:

·         repairs to your vehicle after the accident

·         accidental damages

·         vandalism to your car

Whichever you end up choosing, it is best to consult with an insurance advisor. They can help you calculate your risks and decide on the best policy that will cover all your needs.

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3 years ago · by · 0 comments

Business Insurance For The Self-Employed

When you worked for a company, the aspect of buying insurance for the company is rarely your concern. The company management will calculate the risks, consider all issues and take care of the insurance concerns. However, when you become self-employed, everything changes. In a snap, the insurance coverage, as well as the risks of losing everything, lies in your hands. You will have to put together the set of requirements for submission and putting all these documents together can be considerably tiresome.

What Type Of Insurance Do I Need?

The type of insurance you require depends a lot on the nature of the business you are working in. The industry itself will provide the risks that need to be covered by the policy you’ll be buying. The number of insurance policies for a business that you’ll come across can be a bit overwhelming. Insurance companies have thought of every possible coverage any business and industry might need. A full understanding of the risks that come with your type of business operations is required before you decide on which coverage to buy.

At this point, it is best that you speak with an insurance adviser. They’ll be able to answers all the queries you might have about the various policies you’ve been offered. Although these policies may seem the same, there is a thin line of difference between them, and that makes all the difference.

What’s The Best Type Of Insurance For You?

The answer will vary depending on the factors that come into play. One of the things that need to be considered is the number of employees you intend to hire. And then there is the number and kind of assets that you want to protect. The type of business that you are running also has a say on the type of insurance coverage that you buy.

Running a business from home may seem like the simplest form of business to get yourself into, but do not be fooled. It comes with its demands to ensure that your investment is protected. Never assume that your home insurance will cover everything including the business that you run from home. It is best to know about it. Now that you are self-employed, you are left in charge. You must always strive to do what is right.

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3 years ago · by · 0 comments

Five Insurance Tips For Business Start-ups

The road to finding the right insurance policies to cover your business is long and winding, but it will be worth it. The process can be described as a somewhat complicated one, but when you find the right insurance coverage for your business, it can last you a lifetime. From the health coverage of the employees to the professional liability coverage, every aspect of the business just needs to be considered to ensure full coverage of it.

To gain a bit of insight into the world of business insurance, here are five insurance tips for owners of start-up businesses.

Tip 1: Find a Good Business Owner’s Insurance or BOP

It is the first step to getting good coverage for your business. Most insurance companies that offer BOPs also offer a wide range of the usual add-on coverages that most companies need. The basic program includes professional and employees liability, vehicle coverage and everything else that’s rolled into one.

Tip 2: Home Businesses need to be Covered Too

No matter how small you consider your business may be, primarily if it is based from home, it is always best to have it covered by business insurance. After all, no matter how big or small the investment is, it is still considered an investment and not having insurance to cover it could put it at higher risk.

Tip 3: Monitor Insurance Policies as the Business Grows

The risk of outgrowing the insurance coverage is always there, especially when the start-up business starts to pick up and grow. It is essential to have the insurance policy updated to keep having the business interest protected at all times.

Tip 4: Remember Always to Assess the Risks

To whether the coverage is right for you, the risks to the business investment must always be assessed. If you have a business that mainly operates online, it is best that you are prepared for cyber hacking and the like. These could mean losing everything concerning your business in the virtual world.

Tip 5: Always Consider Worker’s Compensation Coverage

Although the most basic of business insurance already includes the coverage of employees, it is best to be sure about it. Ask your financial advisor about it before you run the risk of losing everything you have worked hard for just because you forgot to include employees coverage in the business insurance you bought.

Once you find the insurance policy that makes you think it’s the right fit, remember to talk with an insurance advisor. Not only will they help you gain a full understanding of what you are getting yourself into, but they can give you advice on which insurance provides the best coverage for you. It is always better to be safe than sorry.

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