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Home Insurance 2021-12-08T10:21:33-07:00

Professional & Experienced
Edmonton Home Insurance Consultants

Your home and property are among your most significant investments, and safeguarding those investments is our priority. Our qualified team of home insurance specialists will provide you with flexible policy options you can trust, and a package that will help you sleep easy at night knowing you’re always covered.

Whether it’s your first condo, or your dream home, Go Insurance can’t wait to help you take the next step in safeguarding your investment. We’re here to answer all your questions, and tell you exactly what to expect. For claims information, or to learn more about your options, please call us today at 1 (780) 448-2298.

Our packages are designed to cover diverse property types, including:

  • Homes and condos
  • Cabins and recreational property
  • Rental properties
  • Tenants and content insurance
  • Motorhomes and vacation trailers

Comprehensive and All-Inclusive Edmonton Home Insurance Policies

Whether you’re a homeowner or landlord, having the right homeowner’s insurance is an absolute must. The consultants at Go Insurance are here to answer all of your questions regarding your home insurance! We are happy to recommend the right kind of coverage for you and answer any questions you may have about your home insurance.

Homeowners insurance provides coverage on three levels: actual cash value, replacement cost(s), and the guaranteed or extended replacement value or cost to repair or rebuild your property.  A standard policy typically provides the coverage for your home or dwelling, other taxable structures on your property such as sheds, personal possessions, and liability in the event a visitor injures themselves while on your property.

Make A Claim Or Get Home Insurance Quotes Right At Your Fingertips

We partner with a number of insurance companies to get you a quote that is fair and fits your lifestyle/needs. Whether you want to shop our home insurance policy options online or talk to one of our customer experience consultants, you can rest assured that you will leave with a full understanding of what your home insurance policy entails and what your payment plan will look like. If you’re looking for a quick quote, click on the ‘get a quote’ button at the top of this page to get a quote in minutes!

To keep track of your insurance on the go, check out our mobile My GoInsurance Online app, available both in the Apple App Store and Google Playstore. Our app gives you quick and easy access to your policy documents, the ability to quickly request changes to your insurance, view your payment schedule, report a claim, and more.

Get Additional Insurance Coverage & Protect Your Assets For Years to Come

Go Insurance is here to help reassure and answer any concerns you may have while shopping for the right insurance policy. In addition to our standard policy, we also give our clients the option to customize their insurance plans at an additional premium cost.

Talk to one of our consultants today and inquire about adding any of the following additional protections to your policy:

  • Scheduled personal articles: coverage for expensive items that are not covered in standard home insurance policies such as expensive accessories or gems
  • Oil damage coverage: provides coverage in the event your home is damaged due to leaking fuel oil from your heat tank
  • Comprehensive water damage
  • Guaranteed replacement on building
  • Replacement cost endorsement

Get Wall to Wall Coverage For Your Property Today

Having the right kind of policy and coverage in place is crucial in ensuring that your personal belongings and assets are well protected in the event of the unexpected. Our customer experience consultants are well informed and are happy to assist you whether you’re shopping for a new policy or looking to buy your first.

Contact one of our representatives today to get a quote on the right type of policy for you and your family. We can answer any question you may have regarding your home and contents insurance policies!

Get in touch with us at our Edmonton office at 780-448-2298.

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Home Insurance FAQ

Home insurance is important for two reasons.

One, it protects you against loss or damage to your personal belongings, and helps protect your assets against loss in the event of a lawsuit against you. So, if someone gets hurt while in your home, your insurance will provide you with a legal defense if that person decides to take action against you.

Two, home insurance is necessary to secure mortgage financing. Your bank likely won’t finance your mortgage unless they are assured they will be reimbursed in the event of property damage. If you don’t have a mortgage, home insurance still protects your assets from loss.

Who will my home insurance cover?

Your home insurance will protect the person whose name appears on the policy, in addition to the following people (if they live in the household):

  • Policy holder’s spouse
  • Relatives of both the policy holder and his/her spouse
  • Any person under 21 in the policy holder’s care
  • Dependent student temporarily residing away from home to attend a school, college, or university

How much insurance do I need?

In order to answer this question, you would have to speak to one of our qualified Go Insurance representatives, who will be happy to provide you information based on your specific needs. We will determine the replacement value of your home and personal property in order to determine your home insurance needs.

Note: Replacement value refers to the cost of rebuilding your home, not the market value.

Is there one standard policy I can purchase or are there different levels?

We have several policies available to provide you with the right coverage option for you, at the right rate. A Go Insurance representative can easily help you determine which policy is right for you. To contact a Go Insurance representative, call 1.780.448.2298.

Will my home insurance provide coverage for EVERYTHING in my home?

Not necessarily. Home insurance will provide coverage that is sufficient for most people in most situations. However, certain items such as jewelry, furs, and bicycles (among others) are subject to what’s called Special Limits. These items limit the amount of coverage you can have in your policy.

If you need a higher limit than what your policy provides, you can always purchase further optional coverage to ensure all your items are covered.

What do I do in the event of a loss?

In the event of a loss for which you have home insurance coverage, please inform a Go Insurance broker right away. In the case of a burglary, you must contact the police as well.

Note: DO NOT dispose of any damaged goods until you receive our approval to do so.

Should I make a claim with every loss?

This is really up to you. Consider this before you make a claim, though: what is the cost of the damage compared to your deductible? (The deductible is required amount of a claim that you’ve agreed to pay.)

Also, it’s important to note that you receive discounts on your premium if you’re not making claims all the time. By making a potentially unnecessary claim, you risk losing this discount, resulting in higher premiums.

When in doubt, consult a Go Insurance broker, who will be happy to help you make the decision that’s right for your specific situation.

Do I have to have photos or receipts for all major items in my home?

When you make a claim, you will be asked to supply a list of your home’s contents and a record of their value. The best way to prove ownership (and cost) of these items are sales receipts. It’s also a good idea to take photos of your belongings, because it will likely speed up the time it takes to settle the claim.

What if my house is under construction? Do I need home insurance during this process?

Whether your property is being built or has been standing for 20 years, your home is subject to loss and damage, which can be covered by home insurance. Also, it’s important to note that injuries are common on construction sites, so an insurance policy may be required during construction. Check with Go Insurance and your builder for more specific information about your home, and to ensure you’re covered in the event of loss, damage, or injury.

Do I need both homeowner and landlord insurance?

If you are making an income on renting your property to tenants, then it is crucial that you recognize the difference between homeowner and landlord insurance. Typically, a standard homeowner’s insurance policy will only cover your personal belongings and damage to your home and not for the loss of rent or damage by tenants.

We recommend talking to one of our consultants if you’re thinking of renting out your property, or a portion of your property. You may need to change your home insurance policy over to landlord insurance in order to receive dedicated coverage for your rental activities.

What factors impact my home insurance rates in Edmonton?

Your insurance premium is dependent on a number of factors that include, but are not limited to:

  • Your insurance and claim history
  • The cost to rebuild your home or property
  • Your property’s proximity to risks that may damage your home, such as rivers
  • If you are renting a room in your house
  • The crime rate of your area or neighborhood
  • Age and type of your property’s electrical, heating, plumbing, and roofing systems
  • How your property was constructed— the materials used to construct your home
  • Security or loss mitigation devices such as alarms and cameras
  • The square footage of your property
  • Natural disasters
  • Discount eligibility
  • Your credit rating
  • Policy options such as loss settlements, deductibles, policy limits, and coverages

For a full picture of what may be affecting your premiums, talk to one of our Customer Experience Consultants today!

Home Insurance Safety Tips

Everyone wants to keep their home safe, but sometimes it’s hard to know exactly how to do that. To help advise our clients on how you can best protect your home, we’ve put together a list of easy ways to reduce damage and theft on your property.

 If you have other questions or need further information about any of the points below, please give us a call at 1-780-448-2298.

How To Prevent Water Damage

How To Prevent Break-Ins

How To Prevent Fires

Garage Door Safety

Preparing For A Hailstorm

Preparing for A Lightning Storm

Preparing For A Tornado

For more information, please get in touch with one of our customer experience consultants today!

We will gladly provide you with any additional information you need to help protect your home, family, and possessions.

Give us a call at 1.780.448.2298!

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