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Electricity bills are a major, yet inevitable, household expense for Edmonton homeowners. Keeping your home warm is important to ensure your family and guests are comfortable during the harsh winter months. Without proper maintenance, your electricity bill can skyrocket because of unidentified problems in your home’s heating and cooling system. Worse still, if your furnace breaks down in the middle of winter, it may cause pipes to freeze and burst. The potential water damage to your home can be devastating. Your house insurance policy may not cover the cost of repairing this damage.

If you are not sure what is and is not covered, talk to your insurance company in Edmonton. Take the time to review your policy every alternate year, if not annually. You may be paying too much for too little coverage or paying less but leaving your home vulnerable to risk.

Think Beyond House Insurance in Edmonton

  • Take advantage of sunny days: Open your window coverings and bring in the sunshine whenever possible. As soon as the sun goes down, close the blinds and drapes to keep the heat inside. This can provide your home with free heating and light while helping you to cut down on your energy bill.
  • Draw heat only into rooms that you use: Large houses may have rooms that are rarely used, such as the guest room, basement bedroom, or storage areas. Vents in these rooms should be sealed off to save on energy costs while directing the heat towards the rooms that need it the most.
  • Adjust the thermostat when the sun goes down: You can save as much as 10% of your energy bill by adjusting the thermostat by 2-4 degrees for a few hours as you and your family sleep. A warm comforter and flannel sheets will do the trick in giving you the extra warmth that you need to stay comfortable while sleeping. Newer thermostats are programmable and you can set up a schedule based on your family’s lifestyle, providing more or less heat at different times of the day and night as required.
  • Make sure that your furnace is clean: When the vents are properly maintained and the furnace is clean, this can help to reduce energy consumption even more. Your home’s furnace filter should be inspected regularly and replaced each time it accumulates dirt. For an average home, this should be done every two months.

Talk to the experienced team at MBS Insurance Brokers Ltd. to learn how your house insurance in Edmonton protects your home through the cold winter months. Get peace of mind that your Alberta home is prepared for all seasons and covered with adequate insurance. Our insurance brokers will help you find the right level of coverage and shop around to compare prices. We have been providing local insurance services for more than 45 years and are proud to help Edmonton businesses, families, and individuals live their life with affordable and convenient insurance coverage. Whether you need auto insurance, recreational insurance or any other type of coverage, we can help design suitable packages with affordable premiums and deductibles.

Call 780-436-7880 or contact us online to discuss your house insurance in Edmonton.

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.