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Illustration of a car with visible hail damage, including dents and a cracked windshield, beneath a storm cloud with falling hail.

What’s going on with hail coverage in Alberta?

Even if you haven’t made a hail claim, your insurance may still take a hit.

Here’s why hail coverage is becoming more expensive and harder to get in Alberta — and how you can protect your property from these damaging storms.

How hail impacts insurance rates

After years of damaging hailstorms and billions in payouts, insurance companies are having Albertans take on more of the costs for hail damage.

Let’s break it down:

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Record losses

Two recent Alberta storms have cost insurers $5B alone.

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Rising costs

Repair & replacement costs are up 485% since 2019.

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All adds up to…

Higher premiums and deductibles.

How do I protect my home and vehicle from hail ?

Insurance is your safety net for when things go very wrong. Your first line of defence should always be to protect your property to minimize damage.

6 tips to prepare before the next hailstorm:

Icon of a car parked under a roof or shelter, representing covered parking to minimize hail damage.

Park undercover or use portable hail protection.

Icon of a window with a partially peeled film layer, representing protective window film.

Use window safety film to prevent glass from shattering.

 Icon of a house roof with a shield symbol, representing hail-resistant roofing.
Icon of a house roof with a hammer, representing roof maintenance.
Icon of a tree with pruning shears, representing tree trimming or pruning maintenance.

Trim trees back to prevent falling branches.

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Cover and secure outdoor furniture and equipment.

Weather the storm by protecting your property

Find more tips on how to protect your property by reading our Hail Preparedness Guide.

Questions? Contact an Alberta-based Acera Insurance advisor, who can help explain your hail coverage.


Information and services provided by Acera Insurance, Acera Benefits and any other tradename and/or subsidiary or affiliate of Acera Insurance Services Ltd. (“Acera”), should not be considered legal, tax, or financial advice. While we strive to provide accurate and up-to-date information, we recommend consulting a qualified financial planner, lawyer, accountant, tax advisor or other professional for advice specific to your situation. Tax, employment, pension, disability and investment laws and regulations vary by jurisdiction and are subject to change. Acera is not responsible for any decisions made based on the information provided.