Do I get a discount for my home insurance if I have video cameras installed?

To obtain an alarm discount on your home insurance, you would need to have the monitored alarm system covered for fire and burglary.

What is the most frequent loss in home?

In today’s world of extreme weather events, $1 billion has become the new normal for yearly catastrophic losses – most of this is due to water-related damage – Insurance Bureau of Canada

Why do I have to pay a deductible for my home insurance?

If a claim is filed, the policy holder is responsible to pay a portion of the loss. This portion is normally taken off the settlement amount.

When does a no deductible apply to my home insurance?

The insurance company is able to waive the deductible in the event of a total loss or if a disappearing deductible endorsement is purchased.

How do I insure the expensive belongings in my house? Why would I want to insure these items separately.

These are termed as floaters. Insurance companies have special limits for these types of items (bikes, cameras, jewelry, etc) under the standard comprehensive package. To protect yourself it’s recommended to have separate coverages for these items. Once this added coverage is added it gives the client no deductible in the event of a loss as well in most cases they also get around the world coverage.

Do claims affect my home insurance?

Yes, they do unless you have a claims waiver which will not affect your rate. Another way a claim will affect your home insurance is if you move companies once the waiver is activated.

Why are home evaluators higher than what I paid for my house or my tax assessment?

It’s not based off of resale value, it’s based on replacing your existing home with a brand new, up to date version pertaining to all up to date building codes. Some policies can provide replacement cost on a home if the client doesn’t wish to rebuild.

Why is my home insurance going up?

Home insurance is based of weather related losses, based off of claims history in previous term. Inflation protection is also added to the building amount every year, causing premium to reflect revised building amount.

Does my credit rating influence my home insurance premiums?

Companies now will use a soft credit check to apply additional discounts to clients, credit score and details are not provided to the insurance company or brokers. Good credit scores can obtains additional savings.

How often is my home evaluated on average?

On average it is recommended that an evaluator be completed every 5-7 years with your broker, this will ensure you maintain the guaranteed replacement cost on the policy.

My condo board has insurance, why do I need to get separate?

Condo board insurance normally protects the building and common areas (replaces back to builders specifications). Condo insurance on the other hand encompasses several coverages to complete the policy. A couple of items the condo insurance is there to protect you for are improvements to the units (this can be previous owners as well) as well as your contents protection.

Should I package my home and auto insurance together with the same carrier?

Yes, because this provides you with up to 20% of savings for having multiple policies.

If I have my home and auto with the same company but different brokers, do I get the discount?

No you must have all policies at the same brokerage to receive multiple policy discounts.

What is renter insurance and why is it important?

Renters insurance provides protection for your liability, additional living expenses and possessions. In the event of a loss (insured loss) the insurance company will replace your damaged items for brand new items.

Why do my landlords want proof of insurance?

They are looking for the liability coverage that is included in the tenants insurance. In the event of a liability loss they want to ensure that they are protected against any liability losses caused by the renter.

How do I insure my jewelry?

These are termed as floaters. Insurance companies have special limits for these types of items (bikes, cameras, jewelry, etc) under the standard comprehensive package. To protect yourself it’s recommended to have separate coverages for these items. Once this added coverage is added it gives the client no deductible in the event of a loss as well in most cases they also get around the world coverage.

Does how I pay for my insurance effect my premiums?

es, if you choose to pay in full there is no financing charge. Most companies will charge a finance fee of approximately 3 % for monthly or a service charge for 2-4 payment options.

Insurance Brokers Memorial Cup Trip Contest

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Enter to Win a Trip to See the Stars at the MasterCard Memorial Cup

The Insurance Brokers of Western Canada are proud supporters of the Western Hockey League. Each year the champions of the Junior A leagues play at the MasterCard Memorial Cup. As a member of the Insurance Broker Association of Alberta, Leibel Insurance is proud to offer their clients the opportunity to win such a great experience!

What can you win?

Win a trip for two to Windsor Ontario to see the MasterCard Memorial Cup.

What’s included if you win?

Airfare
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$500 Expenses
Valued at up to $4000!

How do you enter?

Visit bestinsurance.ca and fill out the contest form! (Yes, it is that simple)

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Michaela Crump, Nov 18, 2019

Andrea K is a fantastic insurance broker! She is very knowledgeable about the various insurance companies and excellent at explaining what coverage I needed. She even went above and beyond to save me money on my car insurance. The financial manager at the dealership I was buying my car through was even impressed at how promptly she sent over the insurance information and how thorough she is. I would highly recommend her!

Esma Sawyer, Nov 5, 2019

Tarah is amazing! She got me exactly what I needed and was super efficient and urgent. I recommend this company and more specifically Tarah to anyone seeking insurance! Absolutely went above and beyond for me. Thank you!

Brittany Malo, Oct 29, 2019

Tracey LeBlanc was absolutely amazing at assisting us with getting home insurance at a reasonable rate. She really took the time to chat with me about everything and thoroughly explained what to expect. Absolutely exceptional customer service and I will be recommending her services/support. THANK YOU TRACEY!!! Much appreciated.

Audie Galvez, Oct 29, 2019

Amazing customer service and auto + home insurance premium received today courtesy of Ms. Sandi Pires. I should have known Sandi earlier. Sandi was very professional, courteous and friendly... One of the best ever I have known and spoken. I am glad for having Sandi as my new insurance broker company... Cheers, Audie