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Your Insurance Brokerage in Red Deer, Alberta

Whether you’re looking for car and truck insurance, home insurance, business insurance, farm insurance or life insurance, we're your licensed experts in Red Deer, Alberta.

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Reviews

4.4        

 

Visit Us at

120 4925 30 Street,
Red Deer, AB T4N 5G7

Our Hours

Mon-Fri: 8:30am - 5:00pm
Sat, Sun: Closed

Save up to 30% on Car Insurance

Most Popular Insurance Products in Red Deer, AB

What do I need to know about car insurance in Red Deer, AB?

In Alberta, basic automobile insurance, which includes accident benefits and third-party liability, is required by law.

It’s mandatory to have a minimum of $200,000 in insurance and accident benefits coverage. Any coverage beyond this considered to be optional car insurance coverage. Decide if you want more than the minimum coverage and factor it into your budget.

Additional insurance coverage, such as collision and comprehensive, is not required by law.

All cars and trucks must have valid insurance and a vehicle registration certificate. As a first-time car owner, this is your responsibility.

Learn how to save on your first Car in Alberta.

What do I need to know about home insurance in Red Deer, AB?

Home insurance is not mandatory in Alberta, but if you have a mortgage your lender will likely require you to have an insurance policy.

Alberta can have severe weather at times like tornadoes, wildfires, and hailstorms. Home insurance typically helps protect when these severe weather events happen, covering water damage and more.

Without home insurance, you’ll be responsible for paying out of pocket for damages to your home and detached structures like your shed or garage.

Home insurance also covers your personal belongings and helps protect you should someone get injured at your home.

Top 5 things to know about your Farm Insurance.

What's the difference between an insurance agent and an insurance broker?

Commonly asked questions about insurance in Red Deer, AB:

What steps should I take to prepare for wildfire season in Red Deer?

Review your home insurance policy to ensure adequate coverage for wildfire damage. Additionally, create a wildfire preparedness plan and maintain a defensible space around your property.

How can I find the best insurance rates in Red Deer?

As a brokerage, we can help you compare quotes from multiple insurance providers, bundle home and auto insurance for extra savings, and choose the right plan for your specific needs in Red Deer. Learn more about what an insurance broker actually does to help you save money!

Do I need additional coverage for hailstorms in Red Deer?

Given Red Deer's location in an area prone to hailstorms, it's advisable to consider comprehensive coverage for vehicles and additional protection for homes against hail damage.

Does living in a rural area around Red Deer affect my insurance rates?

Yes, living in a rural area around Red Deer may affect your insurance rates. Factors such as distance from emergency services, road conditions, and crime rates can impact premiums.

What factors affect rates for auto insurance in Red Deer?

Auto insurance rates in Red Deer can be influenced by factors such as driving record, age, type of vehicle, location, and coverage options. If you've been in a car accident recently, it could affect your rates. Here are a few ways to lower your car insurance rates.

Do I need business insurance if I operate a small business in Red Deer?

Yes, it's essential to have business insurance to protect your assets, liability, and employees in case of unforeseen events or lawsuits.

Can I cancel my insurance policy at any time in Red Deer?

While you can typically cancel your insurance policy at any time, there might be cancellation fees or penalties depending on the terms of your policy.

What does home insurance typically cover in Red Deer?

Home insurance typically covers the structure of your home, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event. Home insurance doesn’t cover everything, though. Here are a few common home insurance exclusions.

Are there any government mandated insurance requirements in Red Deer?

Yes, auto insurance is mandatory in Alberta, including Red Deer. You must have minimum coverage as per provincial regulations to legally drive in the area.

How do I file an insurance claim in Red Deer?

To file an insurance claim, contact your insurance provider promptly and provide them with all the necessary information and documentation related to the incident. They will guide you through the claims process. Are you a Western client? Submit a Claim

Western Financial Group seal

Western Financial Group is a diversified insurance services company that is focused on creating security and has provided over one million Canadians the right protection for more than 100 years. Headquartered in High River, Alberta, Western provides personal and business insurance through over 200 locations, its affiliates and a variety of connected channels, with an engaged team of approximately 2,200 people.