Homeowners  Insurance

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Homeowners Insurance

Protect Your Home

 

Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, water damage, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

How Much Does Homeowners Insurance Cost?

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.

  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Protect The Things That Matter To You


Make an inventory of your household and personal belongings. If possible, make a list of your belongings and  take photos or video of them— using two or more inventory methods can help expedite the claim resolution process if necessary.  Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to a Calgary insurance agent today to find out how to get the best price and value on homeowners insurance for you.