Stettler Home Insurance
Our friendly Stettler home insurance brokers are here to help
Your home is not only your sanctuary – it’s likely one of the most significant investments you will make in your lifetime. It only makes sense you would want to protect it from the unexpected. Here at Acera Insurance, our local team understands the value of living in the charming, peaceful town of Stettler. We want to help you preserve your peace of mind, by providing you with the best property protection possible.
Our Stettler home insurance brokers will work with you to find the best coverage for you and your family at the best price. We use our local insights and expertise to review your coverage options and help outline what you truly need, so you aren’t paying extra for coverage that isn’t necessary. Our team helps take the guesswork out of finding the best property insurance, so you can continue focusing on enjoying your property worry-free.
What does home insurance in Stettler cover?
While every home insurance policy can be uniquely customized to you and your needs, it’s important to understand the three main areas of protection which typically make up a homeowner’s policy.
Stettler home insurance usually includes the following three types of coverage:
- Property Damage – helps protect you if your home or belongings are damaged or destroyed due to claims events related to theft, vandalism, falling objects, explosion, fire, wind, hail, lightning or burst pipes.
- Third-Party Liability – provides protection if someone is hurt or their things are damaged while visiting your home. This also extends anywhere in the world if your personal actions cause unintentional property damage or injury to others. This comes into affect if someone tries to sue you to help cover costs or expenses related to the incident. If the event is covered (is an insured peril), your liability insurance will help cover any legal costs required to defend yourself.
- Additional Living Expenses – offers support if you are required to leave your home due to an insured claim or as the result of a mandatory evacuation. It can help cover the additional costs associated with having to leave your home, such as accommodation or even transportation.
The difference between home insurance and tenant insurance in Stettler
Whether you own or rent, we can help you protect your homes and belongings with the following property insurance products:
Stettler Home Insurance – Homeowners insurance provides coverage for the entire structure, as well as all of your personal belongings in it. In the event you need to make a claim, this type of policy helps recover the costs of repairing or replacing any potential loss you experience as a homeowner in Stettler. It also provides you with liability insurance in case someone is hurt on your property, or if you accidentally damage someone else’s property.
Stettler Tenant Insurance – Also know as renters insurance, tenant insurance provides protection for your personal belongings while you are renting someone else’s property in Stettler. Many landlords will often make this a requirement or condition of the lease, so it is always good to confirm with them and connect with a broker to understand your options.
How to get the best home insurance in Stettler
Finding the best home insurance in Stettler has never been easier with Acera Insurance. Our friendly home insurance advisors know the market that surrounds your home. They work hard to research different options for you across several markets and pride themselves in delivering the best value for your money.
We offer several different ways to get a quote:
- In the neighbourhood? Stop by our Stettler office.
- Want to chat via phone? Call us at 403.742.5177.
- Prefer to start the process online? Simply complete an online quote to get started.
No matter how you choose to connect with us, one of our Stettler advisors is here to support you every step of the way.
Home Insurance Tips for Stettler Residents
Here are our Stettler insurance advisors’ top home insurance tips to protect your home.
- Create proper grading / slope away from your home, as this helps keep water away and from seeping in.
- Ensure downspouts are clear, allowing water to pass through. The extensions should also be long enough to make sure that water is being directed away from the home.
- When possible, try not to leave the house while the dishwasher or washing machine is running. Many losses caused by water damage could have been prevented if the homeowner were present when the loss occurred.
- Installing a mainline backflow valve on your water line can help prevent sewer back up in a home (many insurance companies will also provide a discount).
- Not only does installing a monitored fire and alarm system help prevent losses from occurring, but most insurance companies will also provide a discount.
- Purchase surge protectors for expensive electronic items such as home theatre equipment or computers.
- Never leave appliances unattended that emit heat, such as a hair dryer, coffee maker, toaster, iron, etc.
- Do not leave candles, fireplaces (wood, gas, or electric) or space heaters unattended.
- Arrange to have someone check your property if you are going to be away from home for more than three days.
- Store important documents and irreplaceable personal objects (such as photographs) where they will not get damaged.
- If you will be away from home during the winter for more than 3 days, drain the plumbing or arrange to have someone come in daily and check your home to ensure that your heat is still on.
- Elevate furnaces, hot water heaters and electrical panels in the basement on masonry or relocate these objects.
Stettler Home Insurance FAQs
Since each policy and claim is different it is always best to check directly with your broker or the insurance company. All claims will need to be handled by an adjuster. Please contact our Stettler office if you have experienced any damage to your property, and we would be happy to discuss.
In Stettler, like many locations across the country, our winters can be harsh. It is particularly important to be mindful of the risks of travelling during winter months and to take risk mitigation actions during the normal heating season if you are planning to be away. Each insurance carrier will have different requirements. Please contact us and we will be able to provide additional information on what action may be required on your end, specifically for your planned period of absence.
Yes. This is extremely important, as the insurance company needs to be advised. Please connect with our office.
When you are renting, you need to insure your own contents, but do not need to insure the building. Please contact our office and we can help arrange to protect your belongings.
- Claims will generally stay on your policy for 5 years, however most companies will offer a discount once you have been claims-free for 3 years.
- The increase to premiums will vary by company, and can include loss of discounts, surcharges or loss of certain coverage. Please contact us for further information.
If purchased, this covers loss or damage to dwelling and contents from the backing-up or escape of water from a sewer, sump or septic tank. Limits and conditions will apply. Please contact us to confirm the coverage you have.
Generally speaking, tornados would be covered as this is considered the “peril of wind”, which is already covered. Some exceptions apply to “open ended” buildings. Please contact a Stettler Acera Insurance broker to discuss.
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