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Insurance is designed to protect your most valuable assets after your family – your home and vehicles. While insurance is great for protection against catastrophic losses like a fire, there is no policy that covers normal wear and tear. Maintenance is your primary concern because while there is no insurance protection against wear and tear, if that fire is caused by your neglect like not doing that maintenance, it may have far reaching and very expensive effects if it causes your policy to be voided.

At MBS Insurance Brokers Ltd., we assist you to identify, evaluate, and determine the best method to protect your most valued and treasured possessions. That’s why we’ve been Edmonton’s choice for automobile insurancehomeowners insurance, and more insurance products at the best prices possible since 1969. To keep your assets in top working order, and your insurance policy valid, here are a few suggestions for fall maintenance for your home, yard, and car.

Your home is one of your biggest investments and with winter just around the corner now is the time to get out and take care of those annual maintenance issues including:

  • Servicing your furnace or heating system to enhance efficiency and lower heating costs, including changing your furnace filter and vacuum your air vents. Schedule a chimney cleaning from a certified chimney sweep.
  • Have your roof covering inspected by a certified roofer, repairing any loose or missing shingles as needed. Clean rain gutters and drainage systems as blockages can lead to ice damming and extensive water damage.
  • Check door and window seals, replacing or repairing weather stripping or caulking.
  • Change and test smoke and carbon monoxide detector batteries.

For your yard:

  • Store or secure lawn furniture, drain garden hoses, and remove any lawn or patio obstructions for easier snow removal and safety.
  • Turn off your exterior taps and drain any standing water including from underground sprinklers before the temperature drops to freezing to avoid a burst pipe and water damage. Hoses should be stored in the shed or garage for the fall and winter.
  • Extend your downspouts at least four feet away from your house, as water drainage is a huge cause of basement water damage.
  • Aerate your lawn, fertilize with a fall fertilizer, and cut your grass longer than usual to survive Edmonton’s winter.

For your car or truck:

  • Inspect your battery, making sure the cables and terminals are snug, and retighten as necessary for good contact.
  • Check your vehicles headlights, signals and braking lights.
  • Install winter wiper blades, they typically need to be changed every 6 to 12 months.
  • Check and top up all fluids – windshield, transmission, brake, engine coolant and oil.
  • Tires need to be properly inflated, and preferably winter tires.
  • Finally, give it a good cleaning, inside and out, followed by a protective polish.

Alberta winters can be long and unforgiving. By following these easy tips early in the fall you can save some money and some big headaches in the future. If you have questions about maintenance and insurance, contact MBS Insurance Brokers Ltd. at 780-436-7880 in Edmonton for superior insurance products customized to your unique needs at the best prices possible.

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.