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Canadian law requires that everyone purchase a Homeowner’s insurance,
even if the cover is only basic.
So where do you start looking for the right Insurance Company?
Here are a few tips:
Word of Mouth
Direct to company
Check the lesser known
Making the choice
friends and family members of good Insurers they’re engaged
with. Often this is one of the easiest and quickest ways to get
inside information about an insurance company.
Find out if your friend or relative has made any claims, what
they thought of the company’s claims service, what rates and
discounts they can offer, and whether there are referral
discounts to be gained.
purchase your insurance directly from an Insurance company
rather than through an insurance agent. Since the agent takes
a commission from your premiums to get you a good
insurance package, you pay more for relatively the same
package. Eliminating the middleman, will help you lower your
3. Insurer Ratings: all insurance providers carry a rating from Insurance
regulators in each state. Any complaints about service are also tracked and
displayed online at the state regulator’s website or the National Association of
Insurance Commissioners’ searchable database. You can also find out a lot
by talking to your local insurance regulation service. In some cases, example,
when you live in a hurricane zone or another high risk area, there will be only
one state sponsored insurer. Nonetheless, check again in a year or two, and
you’re sure to find one or more Home Insurers lined up.
The Financial stability or health of the Insurance company is also of great
importance. You can find this information from Standard & Poor’s, Moody’s
Investor Service or the Weiss Rating. Each gives different rating for the
insurance company. However, financial stability alone does not indicate great
service, so look at service offerings and the benefits you gain with each
company before purchasing.
spend on advertising. This implies that they use other means
to reach customers such as phone, email or social media. So
check your email and pay attention to the next telemarketing
phone call you receive. Such companies pass their savings
on to you by not including the cost of advertising in your
On the other hand you can go ahead and find these lesser
known companies by searching online at free websites such
as Insure.com or your local state insurance regulator for good
insurance companies in your area.
choose an Insurer that offers great value and great
service. One that cannot offer you both is not a great
choice. But if you have to choose between value and
service quality, opt for service quality, since you wouldn’t
want to be left out in the cold when you do need a claim
to come through. Hence, check the Insurer’s claims turn-
3475 – 26 Avenue NE, Calgary, AB, T1Y 6L4
Phone No: (403) 250-3121