Personal Insurance in Red Deer
As a full-service independent insurance broker in Red Deer, we also offer a wide variety of protection for you and your family. This community is a great place to live, but it’s not without its perils. But insurance can help protect you. We offer the following Red Deer insurance products:
Home insurance offers three main areas of coverage: personal liability, property damage, and additional living expenses. This can help you cover costs in the event someone is hurt or has their stuff damaged while at your home, your home or belongings are damaged, and helps with additional expenses if you’re forced from your home due to mandatory evacuation or an insured claim. There are many options for coverage with home insurance, so talk to your Red Deer insurance broker for details.
A master condo policy can cover the structure and shared areas of your condo, but it offers no protection for you or anything that is yours. Condo insurance can cover your belongings and personal liability.
Renter or Tenant
Your landlord’s insurance won’t cover anything that’s yours and it won’t cover your personal liability. That’s why renter’s insurance is important if you’re a tenant.
Auto (including motorcycles)
It is mandatory for all drivers in Alberta to have third-party liability, accident benefits and direct comprehensive property damage.
Third-party liability provides protection if you cause injury to another person while behind the wheel and helps cover your legal expenses if you’re sued.
Accident benefits can help cover medical bills if you are injured in an accident.
Finally, direct compensation for property damage can help cover expenses to repair or replace your vehicle if it is damaged in a collision that is caused by someone else. It only offers partial coverage if you’re partially at fault. It’s also advisable to have collision and comprehensive insurance, which can help cover repairs or replacement of your vehicle after an insured incident. There are also lots of options to extend your coverage to include loss of use (meaning you can get funds for rental cars, transit or taxis if you’re involved in an insured claim) or ridesharing.
Toys (including RVs, boats, classic cars, and more)
Having a separate insurance policy for your toys is quite beneficial – you generally have better coverage than with your home insurance, it’s affordable, and if you need to make a claim, it won’t be through your home insurance. Certain toys like classic cars also have mandatory insurance but insuring them like a regular car won’t reflect their actual value or use. Talk to your Red Deer insurance broker for more details!
Travel insurance has a few parts: travel medical, trip interruption, trip cancellation, and baggage insurance. These can be purchased separately or as a package. Travel medical is the essential coverage, as it helps to cover your emergency medical costs abroad. Trip cancellation or trip interruption can help you recover your costs if you need to cancel your trip or go home unexpectedly. It can also help if there are delays. Baggage insurance helps cover the costs of necessities if your bags are lost or replace what was lost if they never show up.
Life and Benefits
If you don’t have access to life insurance or extended benefits through your employer, we can help. We offer life, critical illness, disability, and extended health insurance plans.
For all of your Red Deer insurance needs, Rogers Insurance can help. Give us a call, stop by our office, or request a Red Deer insurance quote online.