COVID-19 Update: All offices visits will now require a scheduled appointment. Please contact us to schedule an appointment.

It’s exciting to leave for a vacation, but you also want your home to be protected while you are gone. If you are going to be away for an extended period of time, consider arranging for a house sitter to visit your property regular. If instead you opt to leave your home vacant, there are some precautions you can take to protect your property as best as possible from damage or theft.

Ways to Prepare a Few Weeks Before Your Trip

  • Check your current Edmonton homeowners’ insurance policy for coverage to ensure it is adequate and up to date. Add any protections needed, including a personal articles floater to protect against possible theft.
  • Arrange for snow removal or lawn mowing while you are away to keep up with home maintenance responsibilities.
  • If you have an alarm system, notify the company of your travel plans. Provide them with your itinerary, your contact information and the names and phones numbers of anyone who may be caring for the home in your absence.
  • Test the smoke detectors in your home so they are ready in the event of an emergency

Preparations in the Days Before You Leave

  • Provide friends and neighbors with your itinerary and relevant phone numbers.
  • Keep the phone number of the insurance company with you and your policy number in the event that you need to call or make a claim while you are away.
  • Revise the greeting on your answering machine if necessary. Never leave a message saying that you are away, but rather that you are currently unavailable, as you don’t want callers to know the home is vacant.
  • Never hide valuables, such as a house key under the mat, as they could be found by those they are not intended for. Jewelry and other valuables should be kept in a safety deposit box.
  • Ask your neighbour to put the garbage out when you go and, later collect any cans, blue bins and green bins for you.
  • Ensure that all appliances are turned off while you are away in the event that they breakdown while unattended.
  • Check that all windows and doors are closed and locked.

Protecting Your Home While You Are Away

While you are away, it is important that you always carry a charged cell phone with you so friends and neighbors can be in touch if needed. As well, keep the phone numbers of these people with you in case you need to get in touch with them if there is an emergency or unexpected delay in your arrival.

Speak to a Broker About Your House Insurance Options in Edmonton

Before leaving on a trip, it is important to invest in a comprehensive house insurance policy from an Edmonton broker to protect you in the event of a loss or theft. If your home will be vacant for more than a few days, you may be required to purchase additional protection from your insurer during the vacant period. If you do need to make a claim while you are away, read more about the home insurance claims process for homes in Edmonton, Alberta.

At MBS Insurance Brokers Ltd., we can provide you with a house insurance quote for a comprehensive policy. We will work to find you the best policy available from the group of well-recognized insurance companies that we work with.

Contact us online today or at 780-436-7880 for more information about your options in Edmonton, Alberta.

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.

Enjoyed this article? Here are three more!

 

 

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