Calgary Home Insurance

Best home insurance in Calgary

No matter if you own a historic home in Mission, purchased a newly renovated house in Bowness, or have bought into a new community like Glacier Ridge or Seton Ridge, ensuring your home is well protected is essential. Each neighbourhood in Calgary brings its own character and unique considerations – whether that’s the charm and maintenance needs of older architecture, the modern features of a recently remodelled property, or the innovative designs found in newer developments. Protecting your home means safeguarding not only the structure itself, but also the cherished memories, valuables, and personal belongings inside.

Home insurance in Calgary protects your most valuable possession — your physical home as well as all your personal belongings. It covers a variety of risks, including fire, theft, water damage, and liability for accidents that may occur on your property. This comprehensive coverage provides peace of mind, knowing that you and your family are financially protected against unforeseen events. Whether you’ve just purchased a new home or are seeking updated home insurance quotes for an existing property, working with a knowledgeable broker can help you navigate the options available and ensure you receive the right coverage for your needs.

Why should you work with home insurance brokers in Calgary?

At Acera Insurance, we’ve helping Canadians with their homeowners’ insurance for over 60 years. Our home insurance brokers in Calgary are experienced, knowledgeable, and have a customer-first, hands-on approach to insurance.

We’re also one of the largest, independent, employee-owned home insurance brokerages in Canada. What does that mean for you as a homeowner? We’re truly independent and work with a large number of the best home insurance companies in Calgary. This gives you competition and choice for your Calgary home insurance quotes and coverage.

An Acera Insurance home insurance broker in Calgary can help you with the following:

• Determine your home insurance needs
• Deliver competitive homeowners insurance quotes
• Advise and act as your personal home insurance resource
• Advocate on your behalf if you have a claim
• Aid in risk management for your home

Purchasing a new home is an exciting process. It can, however, also be complicated – especially when it comes to your home insurance. In Calgary, it’s critical to have the right protection in case anything happens. Our home insurance brokers in Calgary from Acera Insurance can help make choosing the right homeowners policy a lot more straightforward.

Request a home insurance quote in Calgary virtually, by phone, or in-person.

The importance of securing dependable home insurance in Calgary

Unless you can afford to rebuild your home, replace your belongings, or cover the expenses of a lawsuit, home insurance can help you recover after a catastrophe. It helps ensure your long-term financial security.

For example, if your home burns down in a fire, the cost of rebuilding and replacing your possessions could cost hundreds of thousands of dollars – or even more! Home insurance lessens the financial burden by helping you cover additional living costs, rebuilding or repairing your home, and replacing damaged belongings.

Another example is a lawsuit. Your home insurance can help cover legal expenses if someone is injured on your property and decides to sue. Let’s say someone was in your home and tripped going down the stairs. They end up breaking an ankle and decide to sue you. Your home insurance could help cover your defence costs, as well as settlements and awards.

Calgary Home Insurance Coverages

While every Calgary home insurance company is different, most of them offer the same basic types of coverage:

• Liability
• Physical Damage
• Additional Living Expenses
• Many also offer coverage for identity theft, spoilt food, and lock replacement.
• Add-ons can include personal cyber and additional perils like overland water (flooding), earthquake, sewer backup and more.

Each portion of your home insurance in Calgary is subject to policy limits; talk to an Acera Insurance home insurance broker in Calgary for what limit is right for your needs and budget.

Personal Liability & Home Insurance

This helps cover your legal expenses in the event you’re sued after someone is injured or has their property damaged on your property or due to your unintentional actions. For example, if someone slips walking up the steps to your porch, is injured, and sues you for damages.

Physical Damage

Your Calgary home insurance covers physical damage to your home and other structures such as decks, fences, garages, and sheds. It also includes protection for your personal belongings and furniture. Here are just some of the causes of physical damage often covered by home insurance in Calgary:

The causes of damage marked with an asterisk generally require the purchase of add-on coverage to your comprehensive Calgary home insurance policy. They may not be available to all homeowners or offered by all insurers.

Exactly what’s covered varies by policy and Calgary home insurance company. That’s why it’s important to talk to a knowledgeable home insurance broker in Calgary – or wherever it is you are.

Additional Living Expenses

If you’re forced from your home due to a mandatory evacuation or insured claim, you’re eligible for a certain amount of funds to help with additional living expenses. This helps make up the additional expenses you absorb when you’re not living at home, including accommodation, transportation and food.

Other Coverages

Fortunately, home insurance in Calgary is very customizable to your needs and budget. There are add-ons (known as endorsements) that extend your homeowners’ insurance to include certain types of damage, increase your policy limits (the maximum amount you’ll be paid in the event of a covered claim); ensure high-value items are covered, protect you financially from cyberattacks and online fraud; and more.