Red Deer Insurance

Searching for an expert Red Deer insurance broker?

As a Red Deer insurance broker of choice, we’ve continued to grow and attract the best people in our industry and are committed to ongoing professional and technological development for our employees. You can trust that you have the best working on your behalf.

Contact us for help finding affordable insurance in Red Deer for all of your insurance needs, personal or commercial. Call us at 403.342.5074.

As a full-service Red Deer brokerage, we offer the following areas of coverage:

Types of Personal Insurance in Red Deer

Types of Commercial Insurance in Red Deer

Whether you’re running a small home-based business or a multi-million dollar enterprise, your business faces many risks that could leave you in financial trouble. Acera Insurance offers insurance to Red Deer’s businesses, no matter how big or small. We recognize the unique risks of every industry and each individual company and help you manage your risks and protect your financial security.

Here are some of the most common insurance services we work with in Red Deer:

If you can’t find your industry listed in the above, don’t worry. Our Acera Insurance brokers in Red Deer can still help you out.

We also offer specialty coverage, so if you don’t see what you’re looking for, contact us and one of our insurance brokers in Red Deer will be happy to discuss your needs.

See why we’re one of the most trusted insurance brokers in Red Deer. Request a Red Deer insurance quote online, give us a call, or stop by our local office to help you find affordable coverage for you, your family, and your business.

Types of Red Deer Insurance we offer to local businesses

As a full-service brokerage, Acera Insurance offers a wide variety of commercial coverage for Red Deer businesses. This includes the following Red Deer insurance options for businesses:

Professional Liability (Errors & Omissions)

If you provide professional services or advice, this coverage can protect you if a client claims a financial loss as a result of your service or advice – or your failure to provide it.

Product Liability

If you manufacture or sell a product and it causes injury or damage, you could be held liable. This coverage can help protect you.

Cyber Liability

Data breaches and cyber attacks can affect any business. Protect yourself with this coverage.

Directors & Officers Liability

This insurance helps cover the costs of litigation against directors and officers. This can be purchased by a company or by an individual with that title.

Business Interruption

If your company is forced to temporarily shut down, would you be able to afford the forced halt to your business? Also known as income interruption insurance, this coverage can help you pay your bills until your enterprise is back on its feet. Some policies also provide funds to help you temporarily relocate.

Equipment Breakdown

If your business is dependent on certain equipment, this coverage can help you cover the costs of essential repairs or replacements. Some policies also include business interruption.

Commercial Vehicle and Fleet

If your company owns vehicles, you’ll need commercial vehicle insurance. Protect your commercial vehicles or fleet with this coverage.

Group Benefits

We work some of Canada’s largest benefit companies to put together a group benefits plan. Providing benefits helps attract and retain good employees and is a critical expense for many businesses. We can help build a plan that works for your company and its budget.

Types of personal insurance for Red Deer residents

As a full-service independent insurance broker in Red Deer, we also offer a wide variety of protection for you and your family. This community is a great place to live, but it’s not without its perils. But insurance can help protect you. We offer the following Red Deer insurance products:

Home

Home insurance offers three main areas of coverage: personal liability, property damage, and additional living expenses. This can help you cover costs in the event someone is hurt or has their stuff damaged while at your home, your home or belongings are damaged, and helps with additional expenses if you’re forced from your home due to mandatory evacuation or an insured claim. There are many options for coverage with home insurance, so talk to your Red Deer insurance broker for details.

Condo

A master condo policy can cover the structure and shared areas of your condo, but it offers no protection for you or anything that is yours. Condo insurance can cover your belongings and personal liability.

Renter or Tenant

Your landlord’s insurance won’t cover anything that’s yours and it won’t cover your personal liability. That’s why renter’s insurance is important if you’re a tenant.

Personal Cyber

This coverage helps you deal with a data breach, online fraud, cyber attack and other incidents. We offer this as a standalone policy or as an add-on for property insurance with certain insurers.

Auto (including motorcycles)

It is mandatory for all drivers in Alberta to have third-party liability, accident benefits and direct comprehensive property damage.

Third-party liability provides protection if you cause injury to another person while behind the wheel and helps cover your legal expenses if you’re sued.

Accident benefits can help cover medical bills if you are injured in an accident.

Finally, direct compensation for property damage can help cover expenses to repair or replace your vehicle if it is damaged in a collision that is caused by someone else. It only offers partial coverage if you’re partially at fault. It’s also advisable to have collision and comprehensive insurance, which can help cover repairs or replacement of your vehicle after an insured incident. There are also lots of options to extend your coverage to include loss of use (meaning you can get funds for rental cars, transit or taxis if you’re involved in an insured claim) or ridesharing.

Toys (including RVs, boats, classic cars, and more)

Having a separate insurance policy for your toys is quite beneficial – you generally have better coverage than with your home insurance, it’s affordable, and if you need to make a claim, it won’t be through your home insurance. Certain toys like classic cars also have mandatory insurance but insuring them like a regular car won’t reflect their actual value or use. Talk to your Red Deer insurance broker for more details!

Travel

Travel insurance has a few parts: travel medical, trip interruption, trip cancellation, and baggage insurance. These can be purchased separately or as a package. Travel medical is the essential coverage, as it helps to cover your emergency medical costs abroad. Trip cancellation or trip interruption can help you recover your costs if you need to cancel your trip or go home unexpectedly. It can also help if there are delays. Baggage insurance helps cover the costs of necessities if your bags are lost or replace what was lost if they never show up.

Life and Benefits

If you don’t have access to life insurance or extended benefits through your employer, we can help. We offer life, critical illness, disability, and extended health insurance plans.

For all of your Red Deer insurance needs, Acera Insurance can help. Give us a call, stop by our office, or request a Red Deer insurance quote online.

How much does insurance in Red Deer cost?

Each Red Deer insurance product will calculate your premiums based on your risk. This is in part determined by individual factors – ones you can influence to help lower your rates. But a large part of the determining factors are out of your control.

For example, your location matters when it comes to your insurance rates. Red Deer and Alberta as whole experiences a high rate of weather events and natural disasters, notably tornadoes, hail, wildfire, and flooding. The frequency and severity of these events affect the price of your Red Deer insurance quote, just as the claims and crime rate will, too.

Your personal insurance and claims history will also play a major role in your rates. Your coverage options such as your endorsements, policy limits, settlement option, and deductible will also influence the price.

What you’re insuring is also critical. For vehicles, this includes the year, make, and model. For homes, this includes its age, construction, systems, proximity to risks and services, mitigation devices, and more. Of course, value always influences the price, too.

At Acera Insurance, we provide competitive insurance quotes for Red Deer and our brokers are also happy to help review your insurance and see where you can potentially save.

Tips for saving on your Red Deer insurance

Acera’s Red Deer insurance brokers want to serve you beyond helping you through the process of acquiring quotes and then later purchasing a customizable policy. We understand that insurance in Red Deer can seem like just another added bill. Here are some tips on how to save:

• Bundle multiple insurance policies through a single provider to save on costs.
• Avoiding making claims where possible – if your car or home sustains small damages you can repair yourself, don’t submit a claim. The more claims you have, the higher your future rates.
• Keep your car, home, and business property well-maintained and looked after. Claims due to wear and tear will not be covered, and poorly looked-after property may not stand up to weather events or accidents later down the line.
• Raise your deductible. A higher deductible may result in a slightly reduced premium.
• Ask your Red Deer insurance broker for suggestions on what discounts you may qualify for.

For more tips unique to your personal circumstances, call up your Red Deer insurance broker today to discuss ideas.

Get an insurance quote in Red Deer with Acera Insurance

You can request a Red Deer insurance quote online, by phone, or come meet us in-person. We work with a large number of insurance companies in order to provide you with choice in your Red Deer insurance quotes. We help you balance your budget with your insurance needs – contact us today to get your free quote.