8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


9:00am - 5:00pm



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How to Save on Home Insurance in Alberta

Prices have been increasing in every sector of life for the past few years.

Inflation rates are the highest that they have been in Canada since the early 1990s. Unfortunately, this extends to your insurance. Here are some simple tips to help you save on your home insurance bill.

1. Do Not “Over Insure” Your Home

The first step in lowering your home insurance cost is to only cover your house for risks that make sense. Ask yourself questions like, “Do I need earthquake insurance if I live in an area with no earthquakes?”, “Does my house contain enough personal items to warrant me getting extra coverage?”

Knowing what you need and what you do not is the easiest and quickest way to save on your home insurance premiums. Our highly trained representatives can help you assess what coverage you need.

2. Pay Your Home Insurance Premiums Annually

Pay Your Home Insurance the home insurance people

Like many of the services we use today- Amazon Prime, Netflix, Subscription Boxes, or even Auto Insurance- you can often save money simply by paying once a year rather than monthly.

3. Allow For a Credit Check

Often people do not like having a credit check.

One’s finances are usually played close to the chest. If you allow the insurance company to do a credit check, you will often find you will get a discounted price. Research has shown that clients with a higher credit score typically make fewer claims.

You can learn more about why we ask for a credit check here.

4. Buy A Proper Home Security System

security system the home insurance people

Home alarm and security systems used to be a luxury few could afford.

However, in 2022, many complete home security systems can be very reasonably priced.

With a great design, you can ensure your house is safe and secure for less than the price of a new phone. Not only will this give you peace of mind, but many insurers will also offer you a discount if you have a security system installed in your home.

5. Do Not Make Small Home Insurance Claims

The more claims you make on your home insurance, your premium will rise.

If a significant windstorm hits and a few tree branches break a window, we recommend paying for it out of pocket if you can. Paying for it out of pocket rather than making a claim will be beneficial in the long run.

6. Check If You Qualify For A Discount

Discounts are always an excellent way to save money. Most companies will offer discounts that many people would not think of. Visit our discounts page to find out about discounts you may qualify for.

7. Indirect Ways To Save On Home Insurance

As we have already stated, there are many indirect ways to save on home insurance.

If you buy a newer home, there will be less chance that unfinished maintenance could cause you to make a claim. We highly recommend you keep up to date with routine maintenance.

8. Get Quotes From Multiple Home Insurance Providers

Just like when shopping for a new pair of shoes or a new piece of technology – you want to shop around to find the most suitable deal.

Luckily for you, our specialty at Harbord – The Home Insurance People is finding you the best deals for your home insurance.

9. Ask Questions

ask questions the home insurance people

You never know what a single question could do for you and your Home Insurance premiums. At Harbord – The Home Insurance People, our highly trained representatives can answer any question you have, big or small.

Get In Touch!

Please feel free to contact our team. You can reach us by phone at 1-866-544-4663 or by emailing us at [email protected]. We look forward to hearing from you!

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