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Keeping your home and vehicle in great condition is paramount to maintain the safety of your family, guests, and passersby during the snowy and tumultuous winter. Poor maintenance can open you up to liability issues and make your property more vulnerable to wear and tear. Follow the steps below and contact your insurance brokers in Edmonton to confirm or expand your auto insurance and home insurance. A new policy may better serve you or existing coverage may need to be amended or enhanced to cover you through the cold, wet, and icy season.

Steps to Prepare Your Home and Vehicle for Winter

  • Weather-proof your space: Keeping your home well-insulated and properly sealed will allow your furnace or other heating systems to operate at peak performance. That means monthly savings on your heating bills and a more comfortable space, but it also reduces the chance of your HVAC system experiencing premature failure or requiring repairs. If you have an aging or temperamental furnace, check your warranty and coverage options. Proper preparation can also limit the chance of damage, frozen pipes, and the likelihood that an animal will find a warm home in your space.
  • Clear driveways and sidewalks: It is tough to find someone who enjoys shoveling, but it is a necessary part of keeping your home safe, accessible, and secure during the season. If left unattended, freeze and thaw weather patterns can cause major damage to your walkways and driveways. The buildup of ice and snow can also lead to complaints from neighbours, injuries, and in some cases, legal action. Failing to maintain your property exposes you to a lot of liability and can impact your home insurance coverage. If you have health problems or back issues, consider investing in a snow blower or giving someone in the neighbourhood some extra money for their labour.
  • Look after your vehicle as well: At the first sign of consistently sub-zero temperatures, it is time to drag out the winter tires. They can make your vehicle inefficient if they are left on year-round but they are a necessary safety precaution while driving in slush, snow, and icy conditions. Ask insurance brokers in Edmonton if any car insurance policies include coverage or discounts for winter tires. Don’t risk facing penalties for driving without the correct tires. Additionally, be sure to wash your vehicle regularly in the winter, to prevent rust damage from salt on the roads and extend your car’s lifespan.
  • Clear snow away from the foundation: Focusing on the pathways in and out of your home is usually top priority, also be sure to keep snow from building up around the foundation of your home. If left over time, packed snow can melt and lead to leaks, external damage, and internal troubles. Take some time to minimize deterioration of your foundation and work to clear snow from concrete steps, basement windows, and other areas that are prone to leaks and damage.

Contact MBS Insurance to clarify how your auto insurance and home insurance in Edmonton will be able to protect you through the cold. Get peace of mind that you can make it through another Alberta winter with adequate insurance. Our insurance brokers are experienced and prepared to 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.

Call 780-436-7880 or contact us online to get year-round auto insurance and home 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.