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Types of Business Insurance

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How Are Vehicle Insurance Rates Calculated?

Get auto insurance in Calgary from iSmart Insurance.

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What a Home Insurance Policy Can Do for You?

Purchasing a home is on everyone’s bucket list. It takes a lot of hard work and savings for purchasing a home in Alberta. Purchasing your dream home is one of your biggest financial decisions you ever make. Sometimes we buy property with the aim of settling down, while sometimes just for investment purposes. Whatever the reason, it is important to secure it with a Home Insurance policy just to minimize risk of financial losses in future. Make sure you secure it with the right Home Insurance coverage that your home requires. Each house is different and has different maintenance needs. It is important that the Home Insurance you buy is in line with those needs.

Wondering Why Home Insurance is Needed?

Reasons to Have Home Insurance in Alberta

Although having Home Insurance is not mandatory in Alberta, you must opt for it. Most common perception is that Home Insurance provides coverage in case of fire or theft, however there are a lot more Home Insurance policies can offer. There are numerous reasons for you to invest in Home Insurance and they are:

Help you get Home Loan: Without a Home Insurance policy you don’t have any financial backup in case any damage happens to your property and will impact your finances. Lenders or banks will not be very interested in giving you a loan without Home Insurance in place.  

Acts as Financial Back-up: Your personal money will be at risk in case of any theft, fire or property damage. It will need immediate attention and can put a lot of financial pressure on you and your family.  

Interior/ Exterior Repairs: Damages to the interior or exterior part of a home because of extreme weather conditions will be a heavy financial blow on your savings. Your water pipes can burst because of frost; you can easily avoid this expense if you are covered by Home Insurance policy.  

Coverage in Case of Theft: Did you know across Canada there were 1,37,516 burglary cases in 2020 and Alberta crime rate is quite high. There are chances of theft or burglary in houses in Alberta. Having Home Insurance will provide financial coverage and protect you against theft or loss of any personal belongings.  

Loss or Breakage of Personal Belongings: Home Insurance policy protects not only damage of infrastructure but also loss or breakage of any type of personal belonging or any appliance you have inside of your home in case of fire or any natural calamity. You can get coverage starting from your furniture to your clothes, decorative items to kitchen appliances all is covered. Any loss of item occurred in case of theft or damage will be covered. You do not have to pay from your pocket for repairs or repurchases.  

Loss of Items Kept in Vehicle: Home Insurance policy even covers loss of item kept inside your vehicle i.e., car or truck.  

Personal Liability Coverage: Accidents can happen anytime, anywhere. It is possible that a guest came to your house and met with an accident on your premises. Then in that case you are liable to make compensation for treatment or damage caused. If you have Home Insurance then compensation up to $2,000,000 can be paid on your behalf depending upon coverage you got. The coverage is also known as coverage for personal liability.  

Property Loss Due to Fire: It can happen that your house caught fire, then the cost of getting everything repaired and getting back to normal life is very difficult. If you have Home Insurance all the losses caused because of fire will be compensated.  

Fire Liability Coverage: It is possible that fire started in your house can spread to neighboring houses as well. In that case you will be liable to pay for damages caused to their property. If you don’t have Home Insurance it is possible you get bankrupt. Home insurance provides coverage for fire related liabilities and saves you from a big financial breakdown.  

Expenses During or After an Unfortunate Incident: It is difficult to cope mentally and financially from any unpleasant incident. There are chances that you have to shift to other premises temporarily because of damage caused. This will require a lot of money and can be financially exhausting. Under Home Insurance policy it is possible that you can get coverage if you have to move temporarily to another place after the disaster.  

Home Insurance is a comprehensive package that not only saves you from property related damage but also saves you from personal liabilities. You can save money on Home Insurance premiums but it can cost you a lot more on expenditure due to an unexpected event that can be easily covered under Home Insurance policy.  

Each Home Insurance policy provides different coverage and you can increase or decrease coverage depending upon your needs. The premium of the policy will depend upon the type of coverage you are opting for. Selecting a suitable yet affordable plan is time taking. If you have an experienced insurance broker to help and guide you, it can save you a lot of time. At iSmart Insurance we help you get the best possible coverage at lowest premiums. Our intensive knowledge and years of experience in the insurance industry make us a strong negotiator. Every home is different and so is its insurance requirement. We offer a wide range of Home Insurance plans tailored as per your coverage requirement. It doesn’t matter if your house is in a flood-prone locality or is not perfectly maintained, our business connections with top insurance companies across Canada will help you crack the best rates.

Contact iSmart Insurance for best rates!

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Business insurance

Business Insurance is a comprehensive policy that protects your valuable business assets and helps you avoid financial losses.

Revolutionary 5 Minute EFFORTLESS BUSINESS INSURANCE.

For more information:

Visit: https://ismartinsurance.ca/

Email: info@ismartinsurance.ca

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Get motorcycle insurance

Lovely weather and a Motorbike by your side, what else do you need? Enjoy your ride stress-free with Motorcycle Insurance. We can Insure MOTORCYCLE of any Engine size. Contact iSmart to know more!

For more information:

Website: https://ismartinsurance.ca/service/motorcycle-insurance/

Email: info@ismartinsurance.ca

Call: (403) 475-9898

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Car Insurance Premiums made Easy in Alberta

Vehicle Insurance, for a vehicle, is as essential as the oxygen for the purpose of breathing. It is mandatory not just as a precautionary measure (in case of a mishap) but also as per transportation law. Because of this necessity, the prices of car insurances are skyrocketing these days and everybody is looking for an effective cut down. There are a lot of possible solutions and in order to find out the most effective one, we must first understand how these insurance premiums work and what are the factors which determine their functioning.

A lot of various factors determine the monetary value of an insurance premium. A detailed list can be as follows:

Model of the vehicle.

Insurance buyer’s driving record.

The area of residence of the buyer.

Previous record of insurance claims.

Age and gender of the buyer.

Usage of the vehicle.

Price of the vehicle.

Type of insurance.

Fuel type.

Area of registration.

According to Provincial law, to drive on the roads of Alberta, a driver is required to have least of all, a third-party liability and accident compensation coverage. Insurance policies change as soon as there’s an upgradation of a vehicle or in case of a road accident. After such events, there is a high chance of a huge hike in the premium amount payable. Let’s see what are some of the tricks one can use to keep this in check and within budget.

Driving Record: The best trick to keep your car premium low while also keeping yourself safe is to drive with as much caution as possible. A clean driving record can keep the insurance premium stable for a long time and can also help reduce its hike in case of vehicle upgradation as some companies offer good discounts to safe drivers. Certain companies even offer customized policies for such customers.

Environmental Consciousness: Everybody always claims that there is no repayment for good deeds but what if we tell you that there can be? That’ll surely be a cherry on top of a wonderful dessert now, won’t it? Wonderfully enough, if you go eco-friendly, you might be eligible for some discount on insurance premiums offered by some specific companies. Also, hybrid/electric vehicles are in vogue so this could be a real game changer economically as well as ecologically.

Loyalty: Loyalty is and should rightfully be the most admired quality in a person. Most of the insurance companies compensate their loyal customers time and again by presenting various offers. If you’ve been using the same insurance company or a broker for multiple vehicles in a family or multiple kinds of insurance, you might as well get some discount for sticking with the same broker or service provider. The best part is, most of the companies do give out multiple offers for such loyal customers. All you have to do is ask.

Professional Training: Skills carry huge value. If one has put in time and money into learning a skill, they should be rewarded for the same. Some insurance companies do offer discounts to drivers with good driving training and skill set. New Drivers even get a discount and a 3-year driving record with a Driver Training Certificate.

Avoiding Danger: Alberta can get really cold and slippery with all of the snow, for most part of the winter. Snow is extremely dangerous for vehicles. Most of the insurance companies like to reward their customers with discount offers if the customers help reduce the risk of danger. So, if you get snow tires for instance or install new security devices on your vehicle, you might be eligible for a discount on your insurance premium.

Reducing Driving Time: The more one drives, the more frequently they’re supposed to pay insurance premiums. Too much use of personal vehicles in large numbers is also hard on the environment anyway. Using public modes of transportation can help reduce insurance premiums while protecting mother nature.

Age Discount: Some insurance companies reward driving experience with a discount. They offer discounts to people who have been driving for a long time and have passed a certain age. Different companies may consider different ages for this kind of discount.

Cutting down coverage: Some insurance providers offer customized insurance plans. In that case, if somebody chooses to cut down a specific coverage, (for example a collision coverage for an old vehicle) it could reduce a good chunk of the cost of insurance premium.

We at iSmart strive to provide our customers with the best options possible because we understand how challenging it can be to manage finances effectively. We are the answer to all your possible queries related to insurance. Literally all you have to do is ask. So, get a quote now!

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Purchased a New Vehicle?

Here are the 5 best options to save on Insurance!! For more information: Website: https://ismartinsurance.ca/ Email: info@ismartinsurance.ca Call: (403) 475-9898

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Purchased a New Vehicle?

Here are the 5 best options to save on Insurance!! For more information: Website: https://ismartinsurance.ca/ Email: info@ismartinsurance.ca Call: (403) 475-9898

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Travel insurance plans

Are you a frequent traveler and looking for an affordable travel insurance plan? Are you a Truck Driver and Frequently drive to USA and stay there a few days at a time? iSmart Insurance offers flexible and customized plans for your needs. Call us today!

For more information: 

Email: info@ismartinsurance.ca, 

Website: https://ismartinsurance.ca/, 

Call: (403) 475-9898

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Auto insurance Provider Agent in Calgary

Get your vehicle protection with auto insurance. 

For more information: 

Website: https://ismartinsurance.ca/ 

Email: info@ismartinsurance.ca 

Call: (403) 475-9898

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Commercial insurance provider agent in Calgary, AB

Know the benefits of commercial insurance - It prevents misfortunes - Covers for lawsuits and settlements - Coverage for medical expenses Get commercial insurance from insurance broker in Calgary, Alberta.

For more information: 

Email: info@ismartinsurance.ca 

Call: (403) 475-9898

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Numerous factors that influence Home Insurance premiums

Numerous factors influence Home Insurance premiums. Below are some factors that could influence your home insurance premium. Our team is dedicated to finding you the right coverage in Alberta at an exceptional rate.

Get a free quote today!

For more information: Website: iSmart Insurance Email: info@ismartinsurance.ca Call: (403) 475-9898

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Why should you buy travel insurance?

Travel & SUPERVISA insurance from iSmart Insurance gives you peace of mind when planning your trip. Our travel insurance offers coverage for missed travel due to illness, injury, or natural disaster. WE OFFER MONTHLY PAYMENTS ON SUPERVISA INSURANCE.

For more information: Website: iSmart Insurance Email: info@ismartinsurance.ca Call: (403) 475-9898

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10 Factors that impact your car insurance premiums in Alberta

Keep a clean driving record and lower your premiums!

The safety of your family is worth the time it takes to check your driving record, speeding tickets, and claim history, etc. As a smart driver, you can keep a clean driving record to save money on insurance. Did you know your driving record and experience has a huge impact on the cost of your premium? To know about how you can save more on car premiums, contact now!

For more information: Website: iSmart Insurance Email: info@ismartinsurance.ca Call: (403) 475-9898

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iSmart Insurance offers all types of policies for any insurance risks throughout Alberta. Let us shop around for right coverages at best insurance premiums.