Why are home insurance rates increasing in Edmonton? Edmonton home insurance premiums can rise because of higher rebuilding costs, inflation, severe-weather claims, water damage, wildfire exposure, reinsurance costs and changes in an insurer’s loss experience. Rate increases are not the same for every homeowner. Your home’s age, location, claims history, coverage limits, deductible and upgrades […]
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How can Edmonton homeowners protect their homes during a cold snap? During extreme cold, keep the home heated, protect exposed pipes, know where the main water shutoff is and arrange regular checks if the property is vacant. Frozen pipes and ice-related damage can lead to expensive claims, and coverage may depend on reasonable precautions being […]
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How can you protect your home during hot weather? Prepare your home for extreme heat by maintaining air conditioning, checking roofing and exterior materials, reducing fire hazards, monitoring plumbing and keeping combustible materials away from the house. Severe heat can also increase wildfire, storm and equipment risks. Review your home insurance to understand coverage for […]
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Are you ready to buy a home for the first time? First of all, congratulations! Buying a home is an exciting milestone, but the process can be confusing and overwhelming. At ARC Insurance we understand that a home is an important asset and investment. In order to get it right the first time, we’ve created […]
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What does sewer backup coverage cover? Sewer backup coverage can help pay for certain damage when sewage or water backs up into your home through a sewer, drain or sump system. Depending on the policy, it may help with cleanup, repairs, damaged belongings and additional living expenses. This coverage is often optional, so homeowners should […]
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What is the difference between seasonal and secondary home insurance? Seasonal property insurance is generally designed for homes or cabins occupied only during part of the year, while secondary home insurance is for an additional residence that may be used more regularly. Because seasonal properties can sit vacant for longer periods, insurers may apply different […]
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What insurance do I need for a short-term rental? Short-term rental hosts should have insurance that specifically allows the property to be used for short-term rental activity, since a standard home policy may exclude or restrict that use. Coverage should be reviewed for the building, contents, liability, guest-caused damage and lost rental income. Tell your […]
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Many home and property insurance claims here in Alberta are a result of our ever-changing weather. Whether cold and icy, hot and dry or even windy and rainy – we all know that we live in an environment that can be as harsh as it is beautiful. Lately, there has been a lot of concern […]
Read MoreWhen it comes to protecting your property and the people within it, insurance is often in the same conversation. Having a policy in place to preserve your investments is important– but do not overlook the things you can do prevent a security breach in the first place. A more secure property is often more affordable […]
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Standard insurance policies for homeowners cover a wide variety of issues that could – and often do – happen to the average property. If you only consult one insurer or simply opt for the cheapest plan, you may be leaving vital areas of your home unprotected. Continue reading below for ARC Insurance’s guide to policy […]
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