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If you live in the boreal forest zone of the Prairie provinces, then you probably know that summer weather means the start of barbeques, baseball games, pool parties—and wildfires! These fires can cause a lot of damage to your property and a hefty amount of stress for your family. Here are some tips to help you avoid and handle catastrophe.

Before a wildfire: be prepared

Most wildfires start between May and September. They can be ignited by natural causes, such as a lightning strike, but they can also be caused by human negligence. It’s important to pay attention to local news so that you’re aware of wild-fires in your neighbourhood. You should also plan an escape route from your home and determine the best exit from each room (if you live in a high-rise, make sure you know how to leave the building without the elevator). Finally, prepare a bug-out bag with the following items: a flashlight, bottled water, first aid kit, a cell phone charger (you can find ones with battery banks) and non-perishable food.

During a wildfire

If a wildfire is threatening your community, it’s extremely important to obey all directions from your local or provincial government agencies. All family members should pack their bags with clothes and key items, such as medications and valuable documents, in case you need to evacuate. While waiting to hear news, there are many things that you can do to protect your home and your family. For starters, you can ensure that windows and doors are kept shut to limit the en-trance of smoke and dust. Also, you can soak the roof of your home and surrounding property with water (unless water usage has been limited).

After a wildfire: safety first

Even if authorities have stated that it is safe to return home, you still need to remember a few safety tips. First, don’t rush into your house. Check for downed power lines and the smell of gas. If need be, alert the appropriate utility companies. Next, turn off the main power breaker before you walk through your home. Then, toss out all food from the fridge and the freezer. If your home has been without power or has been exposed to fire retardant chemicals, this food is unfit to eat.

When you purchase house insurance in Edmonton, remember to consider the threat of wildfires. It’s important to have a policy that properly covers your home and your belongings as well as out-of-pocket expenses in the event of an emergency. To find out if you have the protection you need, contact MBS Insurance Brokers today. We have over 45 years of experience helping Edmonton homeowners feel safe and secure, and can help you protect your home in the event of a natural disaster.

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.