Homeowners Insurance

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Trust us to Protect Your House with Insurance in Edmonton

For many Albertans, your home and contents are your largest and most valuable assets. Let our highly knowledgeable and experienced professionals at MBS Insurance Brokers Ltd. assist you to identify, evaluate and determine the best method to protect your most valued and treasured possessions. Whether your home is a detached dwelling, vacation home, condominium, townhome or cottage, house insurance is made easy with our comprehensive policies tailored to meet your specific needs in Edmonton.

What is Homeowners Insurance?

Homeowners insurance includes protection for your residence/dwelling in the Edmonton area against insured peril losses, which may include:

  • Fire
  • Lightning
  • Smoke
  • Hail
  • Falling objects
  • Import by aircraft
  • Riot
  • Water damage
  • Windstorm

You’re covered against a liability loss up to your policy’s limits. If you carry a mortgage, your lender will usually insist that you have homeowners insurance to repair or rebuild your home in the Edmonton area if a loss has been incurred as the result of one of the aforementioned insured perils. All-risk policies are available for homeowners, tenants, condos, rented dwellings and seasonal properties.

We Recommend Comprehensive House Insurance

There are three different policies available but we recommend you carry our Comprehensive Home Insurance policy for maximum peace of mind. This will provide the broadest coverage for your home and contents, and it provides the best value for your dollar. Extras to enhance your coverage include:

  • Sewer Back-Up
    This provides protection for losses resulting from the back-up or escape of water from a sewer or drain, sump pump, septic tank, eavestrough or downspout. This coverage is relatively inexpensive and can prove to be invaluable in the event of a loss.
  • Increased Liability
    MBS recommends that all of our customers carry a minimum liability limit of $2,000,000. For higher liability limits, a Personal Umbrella Liability policy is available for additional limits up to $5,000,000.

Flood Insurance for Your Edmonton Home

The passing winter typically means breathing a sigh of relief for Edmonton homeowners, but as the snow melts off the roof, the sewer systems fill with water and the rivers swell, leaving many homes susceptible to flooding. Whether your house is located in one Edmonton’s at-risk neighbourhoods or not, it is important to prepare for any eventuality. Despite your best effort to prevent floods, your property could still be at risk.

Often-overlooked and seemingly-minor issues like clogged eavestroughs could cause major problems if left unattended. Every year, overland water damage costs homeowners thousands upon thousands of dollars to fix. Adding overland water insurance to your home insurance policy for your Edmonton home could help offset the costs of restoring your property to its previous condition should tragedy strike.

At MBS Insurance Brokers in Edmonton, we are committed to tailoring your coverage to your needs. MBS Insurance Brokers can help create a comprehensive coverage that includes overwater coverage  for various situations, helping you rest easier rain or shine.

Contact one of our home insurance brokers in Edmonton today to revise your home insurance policy.

We Work with Several Insurance Companies

We will work on your behalf with five or six leading companies in Alberta to provide you with different options suitable to your specific home insurance needs. Our professionals in Edmonton can recommend coverage and answer all questions you may have regarding our policies. We offer:

  • 24-Hour Claims Service
  • Various payment plans, convenient monthly and quarterly plans
  • Optional article floater protection, i.e., computers, jewelry, cameras, coin and stamp collections
Discounts up to 50% are available if you’re:
  • Claims-Free
  • In a new home
  • A loyal client
  • Mortgage-Free
  • Have a premises alarm
  • Have multiple policies with us
  • Have Personal Umbrella policies with us



Contact a Home Insurance Broker to Discuss Your Needs

MBS Insurance Brokers Ltd. provides excellent customer service and knowledge to assist all customers in their insurance buying decisions. Contact us today to discuss your circumstances and requirements. An application must be filled out by you, as this is a legal document between you (the insured) and us (the insurer). The application will be forwarded on and your coverage will begin once your payment and signature have been received. By speaking to a home insurance broker today, you are on the road to protecting your family and property for years to come.

How to Reduce the Risk of Basement Flooding


When municipal sewer systems get backed-up, where does the water and sewage go? Well, unfortunately, it can end up in your electronics-laden basement. It can rush back up into the home and could destroy anything it comes into contact with. Finished basement or not, the cleanup and repair after a sewer back up can be extremely expensive and time consuming. The best way to minimize the potential for sewer backup in your basement is to install a sewer backwater valve. The video above will answer your questions and give you more info. Read more.

 

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