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Whether you’re escaping the cold or spending the summer discovering a new country, the last thing you want is to do is to spend your vacation worrying about whether your property is safe. Follow these tips to make sure you avoid unpleasant surprises when you come home.

  • Ensure your home looks lived in. One of the best home burglary deterrents is a residence that appears to be occupied. Park a car in the driveway, put your newspaper subscription and mail delivery on hold and never leave the lights on unless you’ve installed a timer that’ll turn them on and off. Burglars are likely to target a house that always has the lights on.

    Additionally, you should have someone perform routine maintenance chores such as mowing your lawn or clearing snow from your porch and driveway, depending on the season. This’ll make your home look occupied and discourage would-be burglars.
  • Store your items out of sight. Before leaving, make sure you put away any tools, such as ladders and crowbars, and don’t leave anything valuable in plain sight.
  • Install a security system. Preferably the system is one with a loud alarm and that can contact authorities when triggered. Not only do security systems deter burglars, but you may qualify to get a discount on your insurance premiums.
  • Secure all points of entry. Install deadbolts on every door and make sure all of them are locked. This includes garages and sheds.

    You should also make certain that your windows are locked. If they’re old, consider upgrading them before you leave and ensure the new ones are equipped with effective locking mechanisms.

    Also, remove spare keys from obvious hiding spots like under a mat or in a flowerpot. As a general rule, they shouldn’t be hidden in such places to begin with.
  • Keep your home adequately heated. If you’re vacationing during the winter, make sure you don’t set your thermostat too low to prevent your water pipes from freezing or bursting.
  • Have someone visit your home. Some insurance policies require that someone check your home regularly while you’re away to ensure that the proper temperature is maintained. By making this type of arrangement, you may avoid water damage caused by frozen pipes.

Talk to an Insurance Broker in Edmonton

In addition to taking these steps, make sure you know what kind of damage your insurance policy covers and whether you require any additional protection. The best way to do this is to speak to an insurance broker. If you need help with updating your home insurance before your vacation and are in the Edmonton area, MBS Insurance Brokers can help.  Call us today to get the coverage for your home that you need.

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.