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According to the Alberta Fire Commissioner’s Annual Statistical report, there were a total of 3,744 fires in the years 2013 and 2014 (the most recent information we have available). That means that there were an average of a little more than five fires in Alberta per day. Over two years, these fires caused about $400,000,000 worth of damage. At MBS Insurance Ltd., we offer house insurance options to everyone in the Edmonton area to help protect them from the worst effects of devastating home fires.

The truth is that most home fires are preventable. With the right information and a decent amount of care, the most common causes of fires can be dealt with before they become a problem. So you know exactly what to prepare for, here are the top ten most common causes of house fires in Alberta:

  • Kitchen accidents are one of the two most common causes of house fires. From grease fires to working with open flames, there are a lot of dangers in the kitchen. Don’t leave stovetops unattended, be sure to keep an eye on your appliances at all times and have a fire extinguisher ready for use in the kitchen.
  • Smoking related accidents are the other biggest cause of fire. Be sure smokers have convenient and safe ways of disposing of cigarettes at all times. Similarly, you should never smoke in bed.
  • Heating equipment should be inspected by a professional annually to check for any potential wear and tear that could lead to a fire breaking out.
  • Electrical appliances should be checked for frayed wires regularly and only be used according to their manuals’ instructions.
  • Candles should never be left unattended and should always be kept on level surfaces, solidly placed in candleholders.
  • Accidents involving children are common causes of fire. Never allow a child to play with something that could cause a house fire and keep all flammable materials stored out of their reach.
  • If your lights dim when you plug in an appliance or you frequently have blown fuses, you may have faulty wiring and be at risk for a house fire.
  • Flammable liquids, such as gasoline, paints and thinners can all ignite if improperly stored.
  • Christmas tree related accidents are a seasonal threat. Trees should always be kept in about three litres of water and be displayed away from any heat sources such as radiators.
  • Be sure to clean any home barbecues regularly. Improperly cared for grills can also cause home fires.

If you’d like peace of mind about the future, contact us at MBS Insurance Brokers Ltd. today. We offer house insurance and condo insurance solutions to everyone in the Edmonton area.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.

 

1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.

 

2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.

 

4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.

 

6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.

 

7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.