Home Insurance Services
How We Work
We learn about your insurance needs
We shop insurers for the best deal
Select the best offer - Done!
Peace of Mind to Make You Feel Truly at Home
Home insurance isn’t an “extra”—it’s very much required. The place you live is your most important investment, and home insurance keeps it protected against damage, theft, and more. All major mortgage lenders also require proof of adequate home insurance as a condition of funding.
Insureline Complete makes it easy to get the best deal on the right home insurance coverage.
What Makes Us Great
Local to Alberta
No 1-800 call centre numbers or impersonal customer experience encounters…
with us—we don’t outsource anything at Insureline Complete. Our team understands how insurance in Alberta works because we are local and understand how our market works.
Commodity Driven
Our unparalleled market access gives us a wider variety of providers and products to choose…
from. More variety makes it easier for us to find you the best deal on the coverage you need.
Price Sensitive
Choosing your coverage carefully can save you thousands of dollars—which is why we work…
hard to find you the most cost-effective policies for home, auto, and commercial insurance.
Service Oriented
We build relationships with our clients. In addition to finding the best policies for your insurance…
needs, we can educate you about different kinds of coverage. We also partner with other local professional providers (like mortgage brokers and realtors). We are very well connected in the community and like to consider ourselves a central hub for our clients who need access to other financial products and services.
Frequently Asked Questions
Do I Have to Get Home Insurance in Alberta?
Lenders won’t approve you for a mortgage if you don’t have home insurance, which makes it a must for anyone trying to buy property in Alberta. If you’re buying a home without a mortgage, you might be able to get away with not buying home insurance—but if that’s the case, you’re about to spend an incredible amount of money all at once, and you probably want to protect your investment. So to put it bluntly: yes, you should always get home insurance if you’re buying a home.
What Factors Affect Home Insurance Costs in Alberta?
Home insurance costs can be impacted by many factors, including:
- Your claims history
- Your credit rating
- Your employment history
- The size of your home
- The location of your home
- The value of your home
- The condition of your home
Because of this, estimating the costs of home insurance without talking to a broker is extraordinarily difficult. We recommend using our online tool to get a general idea of the price range you might be looking at, but then speaking with one of our members so they can collect the necessary details and accurately find you cost-effective coverage.
What Will Home Insurance Cover?
Home insurance coverage varies depending on the details of your policy, but most policies have provisions for the following situations to some extent:
- Damage to the inside or outside of your home
- Personal liability for injuries or damages sustained by people in your home
- Renting accommodations during home repairs
Take note that different policies will not only cover different amounts of damage, but different types as well (for example, one policy may cover fire damage but not flood damage, while another may cover both). That’s why using Insureline Complete is the best way to understand your options and choose the coverage likely to serve you best.
How Is Home Insurance Structured?
Most home insurance policies are structured in one of the following ways:
- Actual cash value: this type of insurance covers the value of your assets after accounting for depreciation. Premiums for this type of coverage are typically lower than for other types, but you may not receive as much money for damage to older homes.
- Replacement cost: this type of insurance covers the value of your assets without taking depreciation into account. This makes restoring your home to its original condition easier, but may come with higher premiums than actual cash value policies.
- Guaranteed (or extended) replacement cost: this type of home insurance can cover more than what you purchased (often by up to 25%). Some homeowners choose this option to compensate for market fluctuations and rising construction costs, although it typically comes with higher premiums than other kinds of insurance.
Understanding what type of coverage will be best for you can be challenging—for some homeowners, purchasing actual cash value insurance may make more sense than guaranteed or replacement cost insurance—or vice versa. Let Insureline take a closer look at your situation and help you find a policy that works.
How Do I File a Claim for Home Insurance?
Filing a claim through Insureline is easy—just use our online claims tool to share key details with us and let one of our team members follow up. We’ll help you by determining:
- Whether filing a claim is a good idea. It’s not always advisable to file an insurance claim,
even if you’re eligible to do so. Remember, every time you file a claim, your history changes and your premiums go up. We’ll help you figure out if the amount you’re eligible to receive justifies this added cost. - The contact information for your claims adjuster. By referring you to the claims department with your insurance provider, we can monitor the status of your claim and make sure all necessary documentation is filed appropriately.
- How to move your claim forward. In cases where you’ve filed an insurance claim, we’ll provide support and guide your claims adjuster so that you can get the payout you deserve.
Do I Have to File a Home Insurance Claim Through Insureline?
We strongly recommend filing your claim through us instead of contacting your insurance provider directly. There’s no benefit to not alerting us (we get notified when clients file with one of the providers in our network anyway)—but it’s easier for us to help you when we know what’s going on.
Remember, we’re not just your insurance brokers at Insureline—we provide support for your claims from start to finish. That’s what you get when you work with us.
Find Your Perfect Policy Now
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Types of Insurance We Offer
Home & Property Insurance
Auto Insurance
