Insurance Broker in Fort McMurray

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BrokerLink is a full-service insurance brokerage that has been assisting Canadians in Fort McMurray and all across Canada since 1991. We have helped many Fort McMurray residents find quality home, auto and business insurance solutions that reflect their lifestyles. Contact BrokerLink to learn more about what a Fort McMurray insurance broker can do for you.

BrokerLink Fort McMurray insurance offerings

As a full-service brokerage in Fort McMurray, we can help customers find all types of insurance policies, from home insurance to car insurance to business insurance and more. We specialize in the following types:

Home insurance

Buying a house marks a significant event in your life., and it’s important to safeguard your home from unexpected circumstances. BrokerLink can assist you with just that. We have many policies that will protect you, your home and its contents. You will be matched with a house insurance policy in Fort McMurray by one of our knowledgeable insurance experts that will guard your home against disasters like third-party lawsuits or property damage brought on by fire, hurricanes, water damage, and power outages. Also, if you rent your home in Fort McMurray, we can locate for you a comprehensive tenant’s insurance policy.

Get a home insurance quote

Business insurance

Protect your business from financial harm with Fort McMurray business insurance. By having commercial insurance, you can help prevent your business from financial ruin should you find yourself unexpectedly faced with an insured peril. Policies vary, but business insurance can help protect your business from lawsuits alleging negligence or bodily injury to property damage and much more. Our knowledgeable insurance experts take the time to understand your business’s unique needs so they can find coverage that reflects them. Help prevent your Fort McMurray business with include commercial general liability coverage, commercial property coverage, professional liability coverage, cyber liability coverage, commercial auto insurance, and more.


Auto insurance

Another area that BrokerLink specializes in is Fort McMurray car insurance. It’s mandatory in Alberta, so any licensed driver in Fort McMurray who wishes to drive their vehicle on the road must have it. At BrokerLink, we can assist Fort McMurray drivers of all ages in getting top-quality coverage at the best rates for auto insurance. Whether you’re looking for young driver’s car insurance, senior car insurance, or even a classic car insurance policy, you can count on us to find an auto insurance policy that’s right for you.Furthermore, we will ensure your auto insurance policy complies with provincial law ($200,000 minimum in third-party liability coverage), plus accident benefits coverage and uninsured automobile coverage.

Get an auto insurance quote

Other insurance coverages available to Fort McMurray residents

BrokerLink has expertise in a wide range of insurance types. As such, we can also help residents in Fort McMurray find insurance coverage for any of the following and more:

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

Are there any benefits of Fort McMurray insurance?

If nothing else, it’s the financial protection that Fort McMurray insurance offers. Owning insurance, especially for high-priced items like home insurance, car insurance, and business insurance, will help you lessen any future financial losses or risks. The majority of insurance plans shield the policyholder from everyday hazards, including fire, water damage, lawsuits, bodily injury, property damage, and more, all of which can result in large-scale financial losses.

For example, if your home burned down, say due to faulty electrical wiring or a candle left unattended, you would have to use your savings to either fix or buy a new home. But if you had a home insurance policy, your insurer may step in to help cover the costs of repairs or replacement of the house and its contents.

Is insurance mandatory in Fort McMurray?

It depends; some insurance policies are mandatory while others are not. For example, auto insurance is legally required by the Alberta provincial government. Therefore, if you wish to drive, you need to first purchase a car insurance policy that meets the minimum coverage requirements set by the province. In fact, failure to do so can result in serious consequences. An uninsured driver could be fined, have their licence suspended and even receive jail time.

On the other hand, home insurance is not mandatory. However, this does not mean to suggest that you will not need it. Before you may be approved for a mortgage, certain mortgage lenders may need you to obtain home insurance. Thus, unless you can afford to purchase a home without a loan, you will need to buy home insurance first. Additionally, landlords in Fort McMurray can make tenant insurance a requirement of the lease agreement.

In the end, even though insurance is not required, getting a policy in Fort McMurray is frequently a wise choice due to the financial security it provides.

How are Fort McMurray insurance premiums calculated?

Insurance companies in Alberta consider many factors when determining insurance premiums. Thus, the cost is different for every policyholder. Residents of Fort McMurray might find it beneficial to learn about which details influence their rates. Below is a list of factors that influence premiums in Fort McMurray, Alberta:

  • The coverage, limits and deductibles you choose
  • The make and model of the car you drive (for car insurance)
  • The size of your home (for home insurance)
  • Your age
  • Your gender
  • Your insurance claims history
  • Your location
  • Your marital status

Other factors impacting Fort McMurray insurance costs

The following elements may also have an effect on Fort McMurray insurance rates:

  • In Canada, Alberta has the third-highest average cost of auto insurance - This will directly affect how much you spend on Fort McMurray auto insurance.
  • The winters in Fort McMurray are severe, with low temperatures, months-long snowfall, and icy conditions - Particularly for older homes, these severe winter temperatures can harm interior plumbing and water pipes. To prevent frozen pipes from bursting, structures must be properly insulated. If something goes wrong in your Fort McMurray home this winter, talk to a BrokerLink insurance broker about water damage coverage to avoid having to pay for expensive repairs.
  • The rate of crime in Fort McMurray rises along with the population - As a result, crime rates are subject to sudden changes, and an increase in auto theft or break-ins may result in higher insurance premiums.

Reach out to BrokerLink to receive an accurate, obligation-free quote on Fort McMurray car, home or business insurance. We are thrilled to offer free insurance quotes to Fort McMurray residents. Plus, we only partner with the top insurance providers who offer top-notch insurance policies.


Saving money on insurance in Fort McMurray just got easier

We make it our mission at BrokerLink to find you great coverage at low rates because we want to help you save money on Fort McMurray insurance. As insurance experts, BrokerLink insurance advisors know all about the insurance industry, enabling us to contact the best insurance companies, compare quotes, unlock discounts and offer some of the industry’s secrets for saving on insurance. In fact, our insurance experts have assembled our top money-saving tips for the residents of Fort McMurray below:

Increase your deductible

In the insurance industry, it’s common knowledge that increasing your policy deductible might reduce your premium. The amount that the policyholder will contribute to an insured loss prior to the insurance company’s payout is known as the deductible. Every insurance policy has a deductible, and you get to choose what it will be for your particular policy. But you should only increase it if you can afford it, even if doing so will lower your insurance costs. Contact a BrokerLink insurance broker to learn more.

Make annual payments

Paying for your policy annually rather than on a monthly basis is our second piece of advice for reducing the cost of your Fort McMurray insurance. You can usually choose between paying in one or twelve instalments with most insurance providers. The problem with paying in twelve monthly instalments, though, is that plenty of insurers tack on extra fees for each payment. As a result, paying for your insurance in one lump sum instead of over the course of 12 months will typically be less expensive.

Bundle multiple insurance policies

The third suggestion is to combine your insurance policies. Multiple-policy buyers are frequently rewarded with policy discounts by insurance companies. Therefore, make sure to bundle all of your household vehicles or purchase additional policies like home insurance, business insurance, car insurance, or recreational vehicle insurance, from the same company. Savings of up to 15% could be earned for each policy as a result. To find out more about the potential savings associated with bundling products, get in touch with BrokerLink.

Install winter tires on your vehicle

Want to lower your Fort McMurray auto insurance costs? Think about fitting winter tires onto your vehicle. Although snow tires are not required in Alberta, having them on your car may qualify you for a discount on your auto insurance. The particular requirements that must be met for eligibility can be explained to you by a BrokerLink insurance advisor. For example, some providers might require that all four tires be the same model or that the tires must stay on your car for a set amount of time. You may be able to reduce your auto insurance by up to 5% if you are eligible for a Fort McMurray winter tire discount.

Buy a hybrid or electric vehicle

Investing in an electric (EV) or hybrid vehicle is one last strategy to reduce the cost of your Fort McMurray auto insurance. In an effort to encourage drivers to go green, many auto insurance providers throughout Canada now provide discounts to green vehicle owners. As a result, buying an EV can help you save up to 10% on your car insurance in addition.

Compare rates with a registered Fort McMurray insurance broker

Partnering with an insurance broker in Fort McMurray will help you save not only money but also time. Insurance brokers simplify the process of buying insurance. They take care of everything for you, offer objective, professional guidance, and have the tools and know-how to quickly locate a fantastic policy. In the end, you can depend on us at BrokerLink whether you’re looking for home, auto, or business insurance. Check out some of the benefits of working with a licensed Fort McMurray insurance broker below:

1. Brokers operate independently of insurance companies

First, brokers operate separately from insurance companies. This means that you can rely on us to put you first. When you get in touch, you’ll be paired with a committed insurance broker who will spend the time learning about your interests and locating a policy that matches your lifestyle and price range.

2. Brokers do the work for you

A Fort McMurray insurance broker’s ability to handle the process for you is their second advantage. Brokers provide a practical service by consulting the best insurance providers in Fort McMurray and requesting estimates on your behalf. They will then evaluate plans and find savings before delivering to you their top choices.

3. Brokers are insurance experts

Their knowledge and experience is the last reason to connect with a licensed broker in Fort McMurray. The BrokerLink staff has been focused on assisting customers with buying insurance products that fit their interests and budgets for over three decades. We can guarantee you get the most affordable cost on your coverage because we are Fort McMurray insurance experts.

We’re in your community

A huge part of who we are is our involvement in the community. We are local residents and employees who enjoy becoming acquainted with our neighbours!

Licensed Fort McMurray insurance brokers are just a phone call away

Fort McMurray is located in the middle of the Athabasca oil sands and is surrounded by the breathtaking boreal forest. There are thousands of people living there, many of whom have experienced its inclement weather, from the freezing winters to the deadly wildfires. This is why it is essential for residents of Fort McMurray to protect their homes, businesses, vehicles and more from not only its destructive weather but also everyday risks, like vandalism, theft and liability. Luckily, BrokerLink is here to help.

We can help Fort McMurray residents save time and money by matching them with accessible home, auto and commercial insurance policies. We want our customers to receive the best coverage at the lowest possible price. Whether you wish to insure your new Fort McMurray home or want to protect your vehicle on your daily commute along Highway 63, our team of licensed advisors can’t wait to match you with the best insurance policy.

Upon reaching out to BrokerLink, you will be appointed a friendly and knowledgeable BrokerLink insurance advisor who will help steer you through the workings of purchasing an insurance policy. We can offer you a free quote on property, commercial, or vehicle insurance and work together to build a personalized insurance policy.

To find out more about the advantages of working with an insurance broker, get in touch with Fort McMurray BrokerLink today.

Contact us

We are available to assist you with any insurance need you may have at Fort McMurray BrokerLink. Let us advise you in obtaining the right coverage for your house, vehicle, business, recreational vehicles, pets, and more.

It has never been easier to get top auto, business, or home insurance in Fort McMurray. We at BrokerLink will work with you to design a unique policy because we recognize the necessity for particular forms of insurance coverage depending on your circumstances. In order to save you money, we can even bundle your plans to ensure that all of your valuables are covered. For a free insurance quote for your home, car, boat, collection of fine art, or even your business, give us a call.

You can get in touch with us over the phone, via email, or in person at any of our locations all across Alberta. Moreover, we urge you to use our free online quote tool, which will provide you with a quote in a matter of minutes.