Why Home Insurance Matters in Alberta

Your home is one of your biggest investments. It needs protection.

Alberta weather can be wild. We get wildfires. We get heavy rain. We get flooding.

The right home insurance gives you two things:

• Peace of mind
• Money to fix problems

Without good coverage, one fire or flood could cost you thousands. That’s why homeowners in Edmonton, Sherwood Park, and nearby areas trust Reliant Insurance.

Fire Damage: What’s Usually Covered

Good news: Fire coverage comes with most home insurance policies in Alberta.

Fires can start anywhere. Kitchen accidents happen. Wildfires spread. The Government of Alberta says 63% of wildfires are caused by people. That means no home is completely safe. (Source)

Your home insurance covers:

• Fixing or rebuilding your house after a fire
• Replacing your stuff (furniture, clothes, electronics)
• A hotel or rental if you can’t stay home
• Outbuildings like garages, sheds, or fences

Pro tip: Check your policy for what’s NOT covered. Damage from illegal acts or intentional fires won’t be covered.

Flood Damage: You Need to Add This

Here’s what many people don’t know: Most home insurance doesn’t include flood coverage.

You have to ask for it. You have to add it to your policy.

Water Protection You Can Add:

Overland Water Coverage This protects your home from water that comes in from outside. Think heavy rain, melting snow, or rivers that overflow.

Sewer Backup Coverage This covers damage from drains or toilets that back up into your home.

A study by Rates.ca found something surprising. 32% of Canadians think their home insurance covers floods. Often, it doesn’t. (Source)

What’s NOT Covered:

• Slow leaks over time
• Old pipes you didn’t fix
• Damage from poor maintenance

Do you live near creeks? In a low area? In older Edmonton or Sherwood Park neighborhoods? These add-ons are worth it.

The Cost of Not Having Proper Home Insurance

Storms and fires are getting more common in Alberta.

The Insurance Bureau of Canada says severe weather caused over $330 million in damage in 2023. (Source)

Without complete home insurance, you might face:

• High repair bills
• Long recovery times
• Lost personal items
• Major stress from surprise costs

With proper home insurance, you get:

• Money to fix things when disaster hits
• Peace of mind about your biggest investment
• Help from experts who guide you through claims

Why Alberta Homeowners Choose Reliant Insurance

At Reliant Insurance, we keep things simple and reliable.

We help homeowners across Edmonton, Sherwood Park, and all of Alberta. We help you find the right coverage at the right cost.

We help you:

• Check your risks: Fire zones, flood areas, property location
• Build your plan: Add the right water and fire protection
• Get great rates: We compare top insurers for the best deal
• Handle claims: We’re with you when you need us most

Don’t wait until it’s too late. Let Reliant Insurance protect your Alberta home from fire and flood today.

Common Questions About Home Insurance in Alberta

Does standard home insurance cover flood damage? No. Flood or overland water coverage is extra. You must add it to your home insurance.

Is sewer backup included in home insurance? Usually not. It’s an add-on you need to request for full water damage protection.

Does home insurance cover wildfire damage? Yes. Most standard home insurance policies cover fire and wildfire damage in Alberta.

Why are home insurance rates higher in some areas? Homes in risky spots cost more to insure. Near rivers or forests? You might pay higher premiums or need special coverage.

How can I get the best home insurance in Alberta? Work with a trusted local broker like Reliant Insurance. We compare quotes. We check risks. We help you get full protection at the best rate.

Protect Your Alberta Home with Reliable Coverage

Home insurance is more than paperwork. It’s peace of mind.

Whether you’re in Edmonton, Sherwood Park, or anywhere in Alberta, good protection helps you recover fast after a flood or fire.

At Reliant Insurance, we make sure your home insurance fits your needs and budget.

Don’t wait for a disaster. Get covered today.

📞 Call Reliant Insurance now to review your home insurance and make sure your Alberta home is safe from fire and flood.