Working with an insurance broker is one of the best ways to purchase insurance in Alberta. BrokerLink has trusted insurance brokers all over the province, from our Calgary insurance brokers to our Edmonton insurance brokers. No matter where in Alberta you live, you can receive help from a licensed insurance professional.
Customized home, auto, and business insurance in Alberta
BrokerLink is all about customized insurance solutions. As insurance experts, we recognize that the best insurance policies are those that are tailored to our customers’ needs. Therefore, we always strive to find the exact coverage that aligns with your lifestyle and budget. Whether you are looking for business insurance, home insurance, or car insurance, you can expect your BrokerLink insurance advisor to recommend protection that is suited to you. For more information on our Alberta business, home, and car insurance services, keep reading:
Alberta car insurance
Car insurance in Alberta is a necessity if you drive in the province. Not only does it protect drivers from a wide range of road-related risks, such as collisions, but it is also a legal requirement in the province. Thus, before getting behind the wheel, you will need to purchase a valid auto insurance plan that complies with Alberta law. A BrokerLink insurance advisor can not only find you a policy that meets the province’s minimum coverage requirements but they can also find you a policy that meets your specific needs and habits as a driver. A BrokerLink broker can recommend coverage limits, deductibles, and optional coverage like comprehensive or collision coverage. They can also provide information on the average car insurance rates in Alberta and give you a free car insurance quote. Further, BrokerLink offers auto insurance solutions for a wide range of vehicles beyond passenger cars. Trucks, tractors, ATVs, snowmobiles, and more - whatever vehicle you want insured, we can help. For example, do you want to have the right motorcycle insurance? Contact BrokerLink. One of our licensed experts can help you find a great policy for your motorcycle.
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Alberta home insurance
Alberta home insurance may not be a legal requirement but that doesn’t mean it isn’t important. In fact, it is difficult to find a homeowner in Alberta that doesn’t have home insurance. This is because of all the benefits it offers. Depending on the policy and coverage you choose, you and your home can be safeguarded against risks like theft, fire, lawsuits, flooding, equipment breakdown, and more. A BrokerLink insurance broker can help you determine the right policy for your needs. Note that BrokerLink can help you find an insurance product no matter what type of home you own.
We have helped thousands of customers across Alberta find different home insurance policies, like vacant home insurance, high-value home insurance, rental property insurance, vacation property and cottage insurance, condo insurance, tenant insurance, and more. From there, a BrokerLink insurance advisor can also recommend specific types of coverage, such as dwelling coverage, personal liability coverage, additional structures coverage, home-based business coverage, equipment breakdown coverage, sewer backup coverage, overland water coverage, etc. Ultimately, the BrokerLink team just wants to find a home insurance policy that meets your needs and gives you peace of mind as a resident of Alberta.
Get a home insurance quote
Alberta business insurance
BrokerLink has a team of Alberta business insurance specialists to help you find a policy that meets your needs. BrokerLink can help you manage your liabilities with the right business insurance. The right business insurance will differ between companies and will depend on the size and scope of your business. A BrokerLink insurance advisor will discuss your needs upfront so that they know how best to help. Specifically, they will learn more about the risks and liabilities your business faces and find you coverage that protects against them. This could end up looking like more basic coverage in the form of commercial property coverage and commercial general liability coverage, or more comprehensive coverage with lots of add-ons, such as cyber liability insurance, crime insurance, umbrella liability insurance, professional liability insurance, directors and officers liability, product liability insurance, and more. No matter what coverage you are looking for, BrokerLink will be by your side every step of the way. We will do everything we can to ensure that your business, your employees, and your customers are protected. We can also help you with tasks like renewing your business insurance policy and discuss the importance of risk management.
Alberta insurance brokers are here to help
While our most popular insurance offerings are auto, home, and business insurance, we offer many more services to our Alberta customers. For example, we have Alberta boat insurance experts to help you insure your watercraft just in time for summer, pet insurance specialists to help you protect your beloved pet, and even cyber insurance for businesses. Keep reading for a rundown of the insurance products that an Alberta insurance broker can help you find:
- Boat Insurance
- Condo Insurance
- Vacation Property and Cottage Insurance
- Tenant and Renters Insurance
- Life Insurance Broker
- Landlord Insurance
- Musical Instrument Insurance
- Wine Cellar Insurance
- Wedding and Special Event Insurance
- Umbrella Liability Insurance
- Equine Insurance
- Pet Insurance
- Group Insurance
- ATV and Snowmobile Insurance
- Farm Insurance
- Cyber Insurance
- Storage Unit Insurance
- Tractor Insurance
- Employee Benefits
- Travel and Trip Cancellation Insurance
- Trailer and RV Insurance
- Motorcycle Insurance
- Identify Theft Insurance
Is there another type of insurance coverage you are looking for? Chances are, BrokerLink can still help. Get in touch with BrokerLink Alberta today to speak with a licensed insurance expert.
Start saving on Alberta insurance today
Saving money on insurance is a top priority for many of our customers here at BrokerLink. We understand that affordable insurance is what many policyholders are looking for, and we are happy to help them in their quest by providing all kinds of money-saving tips and advice. Start saving today by following our expert tips, laid out below:
Insurance bundling is a great way of saving money if you want to buy more than two policies. Ask your insurer about bundling packages that may be available. Some insurers allow customers to bundle two different types of policies together or two of the same.
Select the highest possible policy deductible
Assess your finances before purchasing a policy to determine what the highest possible deductible you can afford to pay is. The higher your deductible, the lower your premium will be since you are taking on more financial responsibility in the event of a claim.
Choose the cheapest payment schedule
Insurance companies typically give customers the option of several payment schedules. These may include yearly, monthly, or quarterly payment schedules. While a monthly schedule might seem more feasible upfront, some insurers charge extra fees the more payments you make to pay off your policy. Ask about this in advance to ensure you choose the cheapest payment schedule.
Review your plan before it expires and update it as necessary
Don’t renew your policy automatically. Instead, review it - with help from a broker, if you wish - and consider ways you might be able to update it to save money, such as by raising your deductible, lowering coverage limits, or eliminating certain coverages.
Purchase an electric car over a gas-powered one
If you are in the market for a new car, consider buying a hybrid or electric car over a gas-powered one, which could allow you to qualify for an auto insurance discount.
Enrol in an approved driver education course in Alberta
Learn the rules of the road from a professional by enrolling in an approved driver course and you could save money on Alberta auto insurance. This can be beneficial to both new and experienced drivers as a refresher.
Install security systems
For added safety and to reduce the risk of an incident, such as theft, installing a security system in your home, car, or workplace can allow you to save money on insurance.
Outfit your car with winter tires
Swapping summer or all-season tires for snow tires during the winter can make you eligible for an Alberta car insurance discount. It is also safer for you and your family driving on winter roads.
Driving safely and keeping your record clean is a great way to lower your Alberta car insurance premiums. Insurers like to reward good driving behaviour, so if you avoid getting traffic tickets, texting and driving, or getting into accidents, you can obtain cheaper insurance.
Install a telematics device in your car
Ask a car insurance broker about how telematics devices work and how one can lead to a serious insurance discount. If you are a safe and responsible driver, installing such a device in your vehicle could lead to an even greater discount.
Install a sewer backup detection device or sump pump in your home
Reduce the risk of a flood or other major water damage in your home by installing a sump pump or sewer backup detection device.
Pay off your mortgage loan
Become mortgage-free after buying a home and your insurance company may reward you with cheaper house insurance rates due to mortgage free discounts.
Adopt a risk management strategy to minimize business risks
Running a business comes with many risks, but adopting a thorough risk management strategy can help mitigate these risks. The fewer risks you face, the less likely you are to file an insurance claim, and the fewer claims you file, the lower your Alberta business insurance rates will be.
Contact a BrokerLink insurance broker
One last tip to help you save money on Alberta insurance? Contact an insurance broker at BrokerLink who has the expertise and resources to ensure you never overspend on insurance.
Buy Alberta insurance from a BrokerLink insurance advisor near you
Do you want to learn how to buy insurance from an insurance broker at BrokerLink? It couldn’t be easier. We have licensed insurance professionals and offices across Alberta, which makes finding Alberta insurance simpler than ever. Follow the three steps below to find quality insurance from a BrokerLink insurance specialist:
1. Contact BrokerLink Alberta and discuss your insurance needs
Take the initial step of starting the conversation by contacting BrokerLink Alberta and speaking with a licensed insurance advisor about your insurance needs. They will ask for more information about the type of insurance policy you are looking for and your budget before moving on to step number two.
2. Your BrokerLink insurance broker will compare coverage to find you a tailor-made insurance policy
The second step is when your BrokerLink insurance broker reaches out to top insurance companies to find you a fantastic policy. Knowing exactly what you’re looking for, they will strive to find coverage that is tailored to your specific needs and budget.
3. Purchase the insurance policy you like best
Step number three is when you choose your preferred insurance policy. Your insurance broker will review all of your options with you, explaining what each policy includes and excludes. You can ask any questions you have, and your BrokerLink advisor will make their recommendations. From there, you can think about what plan makes the most sense for you. Once you’ve come to a decision, your BrokerLink broker will help you with the final step of purchasing your policy, and you will walk away with the coverage you need.
We’re in your community
BrokerLink strives to support the Alberta community at every turn. We get involved in the Alberta communities in which we operate and take the time to get to know our local customers. We will be here for you, no matter your insurance needs. Contact us today to learn more about our core values, like community, generosity, excellence, integrity, and more.
At Alberta BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, travel plans, or pets, let us help you find the best coverage possible.
You can reach us by phone, email, or in person at any one of our locations throughout Alberta. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
Alberta insurance FAQs
Should I buy insurance from an Alberta insurance broker or an insurance company?
The choice is yours. Customers can buy insurance from either an insurance broker or an insurance agent in Alberta. There are pros and cons to both. Insurance agents represent specific insurance companies and are licensed to sell the insurance products sold by those companies. Meanwhile, insurance brokers work at brokerages and function as a middleman between the customer and the insurance companies. They have knowledge about a broad range of insurance products offered by many different insurance companies.
Can I buy Alberta insurance online?
Yes, you can purchase Alberta insurance online in a matter of minutes. Depending on the provider, it could take as little as 15 or 20 minutes to find and purchase a policy. If you prefer to go with a more traditional route, you can also buy insurance over the phone or in person at an insurance office in your area.
How do I renew my Alberta insurance policy?
You can renew an insurance policy online, over the phone, or in person at a local insurance office near you. It is good practice never to let your insurance policy expire before renewing it or purchasing a new one. This would lead to a lapse in coverage, which could increase your insurance rates down the road. Therefore, if you want to renew your current policy, make sure to notify your insurer with plenty of time and ensure your new policy starts on the day your current policy ends. Before renewing, we also recommend assessing your policy to see if your existing coverage still makes sense for you, or if it’s worth updating it, which could also save you money.
Is insurance required in Alberta?
It depends on what type of insurance you’re talking about. Car insurance is mandatory for all drivers, which means that driving without it is illegal. However, home and business insurance are not government mandated. There may still be instances where they are required though. For instance, if you rent your home in Alberta, your landlord may ask you to purchase a certain amount of tenant insurance. Similarly, if you own your home but paid for it with a mortgage loan, your mortgage lender or bank may ask you to take out a homeowner’s insurance policy.
How do I find cheap insurance in Alberta?
You can find cheap insurance in Alberta in many ways. There are all kinds of insurance discounts out there that are available to customers, like employment or education-based discounts, or ones that are specific to types of insurance, like winter tire and safe driver car insurance discounts or burglar alarm system home insurance discounts. There are also more general ways that customers can save on insurance, like by raising their policy deductibles, bundling insurance policies
, or paying for policies upfront rather than monthly.
Why does liability coverage matter?
Liability coverage is a type of insurance that protects you against lawsuits or legal claims. Given how expensive lawsuits can be, especially when you account for everything including defence and settlement fees, it is no wonder that liability coverage is included in many types of insurance policies. For example, mandatory car insurance in Alberta features third party liability coverage, which protects policyholders from any legal claims that arise following a collision that they are liable for.
Meanwhile, home insurance policies in Alberta typically include personal liability coverage, which can protect you in the event that a visitor or guest to your home brings a claim of bodily injury or property damage against you. It can also be useful if your property causes damage to a neighbouring property. Lastly, liability coverage is often an integral part of commercial insurance policies. There are all kinds of liability coverage for businesses in Alberta, such as commercial general liability, cyber liability, professional liability, product liability, and more.
Can I get a free insurance quote in Alberta?
Yes, insurance quotes are free, accurate, and competitive. Get started today by requesting a free quote from an insurance agent or broker near you. Be prepared to answer some questions about yourself, as well as basic information about the type of insurance you are requesting a quote for. For example, if you are looking to obtain a car insurance quote, you will need to provide the make, model, and year of your vehicle, and your licence details, etc.
If you have any questions, contact one of our local branches.