Frequently Asked Questions
HOW MUCH COVERAGE DO I ACTUALLY NEED? Answer: Third-party liability: $200,000 minimum (but $1-2M recommended). Accident benefits: Mandatory (covers medical/rehabilitation costs). Collision/comprehensive: Optional but wise for newer vehicles (hail damage is common in Calgary!).
WHY ARE AUTO PREMIUMS SO HIGH IN CALGARY? Answer: High accident rates (Deerfoot Trail is notorious). Frequent hail/wind damage claims. Alberta’s "no-fault" DCPD system (since 2022) affects pricing.
ARE MY BELONGINGS COVERED DURING A MOVE IN CALGARY? Answer: Only in transit if you add "movement of property" endorsement. Otherwise, renters/home policies exclude moving damage.
DOES MY CALGARY HOME INSURANCE COVER FLOODING? Answer: Overland flooding: Requires separate endorsement (common due to Calgary’s river valleys). Sewer backup: Often optional—ask to add it (worth it for older neighbourhoods like Inglewood or Sunnyside).
ARE MY BELONGINGS COVERED DURING A MOVE IN CALGARY? Answer: Only in transit if you add "movement of property" endorsement. Otherwise, renters/home policies exclude moving damage.
WHAT'S COVERED UNDER COMMERCIAL INSURANCE FOR A CALGARY SMALL BUSINESS? Answer: General liability: Slips/falls (critical for Calgary winters). Equipment coverage: For tradespeople (e.g., contractors in NE industrial areas). Business interruption: For closures due to fires/floods.
"What do I do when..."
(Calgary Edition)
"I get in a car accident"
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1. Safety & Law
✓ Move to safety → hazards on → call 911 for injuries/major damage
✓ Always get police report → never admit fault
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2. Evidence Collection
✓ Photo/video: Damage (all vehicles), license plates, road conditions
✓ Get witness/driver info (name, phone, insurance)
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3. Insurance Must-Dos
✓ Notify insurer within 24 hours (even if not at fault)
✓ Provide: Police report # + evidence → delays risk denial
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4. Avoid Pitfalls
✗ No social media posts
✗ No cash settlements
✗ Get medical check even if "fine"
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5. Follow-Up
✓ Save all receipts (repairs/rentals)
✓ Cooperate fully with insurer
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Why? Faster claims, accurate payouts, fraud prevention.
"My house is damaged by hail"
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Safety First
1. ✓ Stay indoors until storm passes → check for leaks/structural damage before re-entering
2. Document Everything
✓ Photo/video: Hail damage (roof, siding, cars) + hailstones with ruler
✓ Save official weather reports
3. Mitigate Damage
✓ Cover leaks with tarps (save receipts) → no permanent repairs until inspection
4. Insurance Must-Dos
✓ Notify insurer within 48 hours → provide photos/estimates
5. Avoid Scams
✗ No door-to-door roofer contracts → use insurer-approved pros
6. Know Your Coverage
✓ Verify wind/hail deductible → ask about depreciation clauses
Why? Prevents fraud, speeds claims, stops secondary damage.
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