Get An Affordable & Flexible Calgary Home Insurance Quote with Go Insurance

Having a comprehensive insurance policy for your home is crucial for a multitude of reasons. One, it provides you coverage for damage to your home, including your valuables. It also helps protect your assets against loss in the event of a lawsuit against you. So, if someone gets hurt while in your home, your insurance will provide you with a legal defense if that person decides to take action against you. Next, having insurance is necessary to secure mortgage financing, as banks want to be assured that they will be reimbursed in the event of property damage.

Contact one of our expert insurance brokers today to learn more about the importance of having competitive home insurance!

Generally, home insurance prioritizes the coverage of personal-use movable property, but may extend to some of the business equipment in your home. The insurance may not cover:

• Damage or loss of equipment or tools used for business purposes that are stored on your property, car, or outside your home
• Personal liability in the event a client is injured while visiting your home

There are many options that you may need to consider when it comes to your commercial and insurance needs, such as adding coverage for home-based workers added to your home insurance, or acquiring an entirely separate coverage for your home-based business. We recommend looking into our business insurance policies page, or speaking to one of our insurance consultants if you are looking to start a home-based business, as this activity may invalidate your policy.

If you’re thinking of renting your home or even just a part of it, a homeowner’s insurance policy will not be right for you as generating a steady income from this property may invalidate the current policy you have. Situations are reviewed on a case-by-case basis so we can offer the best business insurance for you. 

While online rental property sites may offer coverage in the event your property has been damaged while it’s been rented out, the claim process can be complicated and may not cover everything. Talk to one of our advisors today to review your coverage if you are currently, or planning to start renting out your home.

A premium describes the amount of money you pay to buy an insurance policy (usually, on a monthly basis), while a deductible is the portion of your claim that you agree to pay before claiming the rest from an insurance company.

Generally, the following factors are taken into consideration when determining the price of your premium:

• The property type, g.e. seasonal residence, single-family home, condo, etc
• Age, size, location, replacement value of your residence
• The amount of your deductible
• Type of policy and coverage options selected
• Your claims history
• The crime rate of the neighbourhood surrounding your residence
• Value of your property and to be insured contents
• Distance between your residence and the nearest fire hydrant or fire station
• The presence of security or loss mitigation devices such as cameras or alarms

We have a wide selection of flexible policy options to choose from, most allowing you the freedom to choose your own deductible amounts. Your deductible generally depends on the type of claim made.

What your home insurance covers depends on the type of home insurance policy that you have. The basic or standard insurance will only insure those included in a pre-set list of property damaging perils. For broad insurance policies, they offer protection for both property damaging perils and high-value items within your home, such as appliances and furnishings. Lastly, comprehensive home insurance coverage will protect and insure your property from almost all risks and damages. You are also free to purchase additional coverage if you feel it is necessary.

If you need help choosing a policy or if you want to purchase additional coverage options, talk to one of our consultants today!sultants today to purchase additional coverage for your belongings.

We recommend that you consider how the cost of damage compares to your allotted deductible before making a home insurance claim.

It is also important to note that your claim history is taken into consideration while purchasing new insurance policies. By making unnecessary claims, you may risk losing any discounts you are eligible for.

If you feel uncertain while making your claim, be sure to talk to our Go Insurance team today! We will help you determine the best course of action to deal with your damage or loss.

A number of factors may come into play when you ask a consultant for an accurate quote on a home insurance policy, such as:

• Your home’s replacement cost
• The cost of your deductible
• Limits on your liability coverage
• The age of your home and how it was constructed
• And more

For more information, or to get a full and accurate home insurance quote, please be sure to give us a call on our toll-free number at 1-866-548-2298.

Renters Insurance provides assurance that not only is your personal property safeguarded in the event that your belongings are stolen or damaged, but it also supplies personal liability and additional living expenses protection should anything happen to you or to your financial situation.

To learn more about renters and condo insurance, click here!

Yes, depending on the scale of the renovation, your home’s replacement value may need to be reassessed. You may even enjoy a reduced premium depending on the purpose of your renovation, such as updating your home’s plumbing system.

First, you would need to make a complete list of all the damaged or stolen items from your home. Make sure you have your policy number and police report (if applicable) ready. You should then call your insurance provider as soon as possible so you can discuss what you’re entitled to, depending on the home insurance policy that you have. A claims adjuster should be in contact with you afterward to help you fill out a schedule of loss form. For a step-by-step guide on how to make a claim, contact one of our insurance consultants!

In Alberta, the average cost of homeowner’s insurance ranges from $800 to $1,200, depending on your home’s location and size, as well as the type of home insurance policy that you desire. Insurance rates for a condo are usually cheaper than detached homes, as there are fewer risks involved. Again, these are only the average costs. For exact home insurance quotes, contact our expert insurance brokers today!