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Looking for an insurance broker in Calgary? BrokerLink is a full-service insurance brokerage specializing in home insurance, auto insurance, business insurance, and much more. We have been helping Canadians find quality insurance solutions since 1991. Let our experts help you find the coverage you need at a great price.

BrokerLink Calgary insurance offerings

Discover the types of insurance BrokerLink can help you find in Calgary:

Home insurance

Home insurance is important for Calgary residents. Whether you own your home and are looking for a homeowners policy or recently signed a new rental agreement and need tenant insurance, BrokerLink is here. We have policies that will protect both your dwelling and contents. Depending on the policy you choose, you may be safeguarded against fire, water damage, hurricanes, tornados, power outages, and more. Contact BrokerLink to learn more about purchasing Calgary home insurance.

Get a home insurance quote

Business insurance

Safeguard the Calgary business you’ve worked so hard to build with business insurance. No matter the size of your business or the industry it’s in, a BrokerLink insurance advisor can help you navigate the ins and outs of business insurance. We will ensure your business has all the coverage it needs - such as commercial general liability insurance, commercial property insurance, cyber liability insurance, professional liability insurance, and more. Protect your Calgary business against cyber attacks, negligence, third party property damage, bodily injury, fire, water damage, and more with quality business insurance from BrokerLink.

Get a commercial auto or property quote

Auto insurance

Car insurance is mandatory through Alberta, so if you drive a car in Calgary, then you need insurance. Luckily, BrokerLink can obtain and compare quotes from multiple providers on your behalf to ensure you get the best rate. More than that, we will make sure you purchase an auto insurance policy that complies with provincial law (in Alberta, that means a minimum of $200,000 in third party liability coverage, in addition to uninsured automobile coverage, and accident benefits coverage). Whether you are looking for young driver insurance, vintage car insurance, or anything in between, BrokerLink is committed to finding an auto insurance policy that’s right for you.

Get an auto insurance quote

Other insurance coverages available to Calgary residents

BrokerLink has expertise in a wide range of insurance types, which means we can also help Calgary residents find insurance coverage related to the following:

  • Associations
  • ATV and Snowmobile Insurance
  • Farm Insurance
  • Cyber Insurance
  • Storage Unit Insurance
  • Employee Benefits
  • Life Insurance Broker
  • Landlord Insurance
  • Musical Instrument Insurance
  • Wine Cellar Insurance
  • Equine Insurance
  • Group Insurance
  • Travel and Trip Cancellation Insurance
  • Trailer and RV Insurance
  • Motorcycle Insurance
  • Identify Theft Insurance
  • Boat Insurance
  • Condo Insurance
  • Vacation Property and Cottage Insurance
  • Tenant and Renters Insurance

What are the benefits of Calgary insurance?

First and foremost, Calgary insurance offers financial protection. No matter what type of insurance you buy - whether it’s home insurance, car insurance, or business insurance - it will help mitigate future financial losses or risks. For example, most auto insurance policies are designed to protect policyholders against the risks that come with collisions, such as bodily injury, property damage, lawsuits, and more.

Without car insurance, if you got into an accident, you would have to pay for the costs of that accident out of pocket. But with an auto insurance policy, your insurance provider may step in and cover the costs. Similarly, home insurance is designed to safeguard your home and its content against everyday perils, such as fire, water damage, theft, and more.

Is Calgary insurance mandatory?

Certain types of insurance are mandatory in Calgary, while others are not. For example, auto insurance is a legal requirement everywhere in Alberta, whether you live in Calgary or Edmonton. Therefore, if you want to get behind the wheel in Calgary, you will need to purchase a car insurance policy that complies with the minimum coverage requirements set by the province. Failure to do so can result in hefty fines, licence suspension, and even jail time. In contrast, home insurance is not government-mandated, but that doesn’t mean it isn’t required in certain circumstances.

For example, mortgage lenders have the right to make homeowners insurance a condition of their mortgage loans. This means that Calgary homeowners who purchase homes with a mortgage may be required to buy home insurance in order to obtain a loan. Similarly, Calgary landlords also have the right to make tenant insurance a stipulation of the rental agreement. Finally, even if you are not required to purchase a certain type of insurance, doing so is often worthwhile due to the financial protection it offers.

Factors impacting Calgary insurance costs

The following factors may impact the cost of insurance in Calgary, Alberta:

  • Alberta has the third highest car insurance rates in Canada. This will have a direct impact on how much you pay for car insurance in Calgary.
  • Calgary winters are harsh, with temperatures dropping below zero and snow and icy conditions for months on end. These extreme winter temperatures can affect water pipes and indoor plumbing, especially in older homes. Structures must be well insulated to avoid frozen pipes bursting. Contact a BrokerLink broker about water damage coverage so that you don’t end up paying for costly repairs if something goes wrong in your Calgary home this winter.
  • Calgary is fairly safe, with lower crime rates than Vancouver, Edmonton, and Winnipeg. That said, crime rates can change quickly and a rise in car theft or breaking and entering incidents can lead to more expensive insurance rates.

To receive an accurate, obligation-free quote on Calgary home, auto, or business insurance, get in touch with BrokerLink. We are pleased to offer free insurance quotes to Calgary residents, and we work with top insurance companies that provide high-quality insurance products.

Saving money on Calgary insurance just got easier

Insurance doesn’t have to break the bank. As insurance experts, BrokerLink insurance advisors know the ins and outs of the industry. They will unlock discounts you didn’t even know you were eligible for and shop around to ensure you receive a competitive rate. Plus, we are available to share our top tips for saving money on Calgary insurance, a few of which we outline below:

Increase your deductible

A general rule of thumb in the insurance industry is that raising your policy deductible can lower your premium. A deductible is the amount of money the policyholder is responsible for paying toward an insured loss before the insurance company steps in. All insurance policies have a deductible and it’s up to you to decide what yours will be. Although raising it is likely to reduce your insurance rate, you should only do so if you can afford it. Speak with a BrokerLink insurance advisor to learn more about the consequences of raising a policy deductible.

Make annual payments

Our second tip for saving money on Calgary insurance is to pay for your policy annually rather than monthly. Many insurance companies give you the option of paying in one installment or twelve. However, the issue with paying in twelve monthly installments is that many insurers charge administrative fees for every payment made. Therefore, paying for your policy in one annual installment usually ends up being cheaper than paying monthly.

Bundle multiple insurance policies

Tip number three is to bundle multiple insurance policies together. Insurance providers often reward policyholders who purchase more than one policy from them. So if you are looking to insure multiple cars in your household or buy home insurance on top of business insurance, auto insurance, or recreational vehicle insurance, be sure to purchase it all from the same provider. Doing so could result in savings of up to 15% per policy. Contact BrokerLink to learn more about the savings that may come with bundling policies.

Install winter tires on your vehicle

Want to save money on Calgary car insurance? Consider installing winter tires on your vehicle. Snow tires are not mandatory in Alberta, but equipping them with your car can make you eligible for an auto insurance discount. This is because insurance companies often reward safety and installing snow tires on your vehicle reduces your odds of getting into an accident over the winter, therefore making your car safer to drive. If you are interested in a winter tire car insurance discount, speak to a broker.

A BrokerLink insurance advisor can inform you about the specific conditions that must be met to qualify for such a discount (e.g. some providers might stipulate that all four winter tires must be the same model or that the tires must remain on your vehicle for a set time frame). If you qualify for a Calgary winter tire discount, you could save up to 5% on car insurance.

Buy a hybrid or electric vehicle

One final way to save money on Calgary car insurance is to buy a hybrid or electric vehicle (EV). Many auto insurance companies across Canada have begun offering discounts to drivers of hybrid or electric vehicles as a way of incentivizing drivers to go green. Therefore, purchasing an EV will not only save you money at the gas pump, but it can also save you up to 10% on auto insurance.

Compare rates with registered Calgary insurance brokers

Save time and money by working with a Calgary insurance broker. Insurance brokers make shopping for insurance hassle-free. They do all the work for you, provide unbiased, professional advice, and have the resources and expertise to find you a great policy in no time. Ultimately, whether you’re looking for home, auto, or business insurance, you can count on us. Check out a few reasons to work with a registered Calgary insurance broker today:

Brokers operate independently of insurance companies

First, insurance brokers work independently of insurance companies. This means that you can trust us to make you our top priority. Upon getting in touch, you will be matched with a dedicated insurance advisor who will take the time to understand your needs and find you a policy that fits your lifestyle and budget.

Brokers do the work for you

The second reason to enlist the help of a Calgary insurance broker is that they do the work for you. Brokers offer a convenient service, contacting Calgary’s top insurance companies and obtaining quotes on your behalf. From there, they will compare policies and unlock discounts before presenting you with their top options.

Brokers are insurance experts

One final reason to consult with a registered Calgary insurance broker is due to the expertise they possess. BrokerLink insurance advisors are fully licenced with years of experience helping Calgary residents just like you find quality insurance policies. BrokerLink has been in business since 1991, so take advantage of our unparalleled expertise and resources by getting in touch today.

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting our neighbours!

Contact us

At Calgary BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, 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.