Property Insurance

 ·         The most accurate way to quote on your home insurance is by going through a home evaluation. With the square footage of your home, number of stories, year built, recent updates, and all the special features your home may have, we can then arrive at the correct insurance replacement cost. Using the RCT Home EvaluRater, this guarantees the replacement cost.

 ·         Other things that come into consideration, are; type of coverage’s you are interested in , important possessions, and liability exposures. 

·         Tenant insurance is just as important as it provides coverage for personal liability. This is the part of the policy you look at for protection if you are sued.  (e.g.: the apartment or home you are renting has a fire, and it is found that you are held responsible for the damages.) 

Tips

 ·         Prior to leaving on vacation, check with your insurer for any exclusions your policy may have for being away from your premises.

 ·         If you are away for an extended period of time you should have your mail re-routed by the post office. Have someone check on your premises regularly. Shutting off your water may also be suggested over the winter months and draining all pipes and appliances.

Automobile Insurance Procedures for Out Of Province Clients

 ·         90 days from becoming an Alberta resident, Alberta Insurance, License and Registration may apply. Your current insurance provider should clarify this for you.

·         A claims experience letter from your current insurance provider should be requested by all drivers in the household.

 ·         A driver abstract from the motor vehicle registry office for all operators in the household is required.

·         Book an appointment to have an out of province inspection done on your vehicle, if it was last registered outside of Alberta. These forms can be obtained from any Alberta Motor Vehicle Registry Office.

·         if the vehicle is over 15 years of age a mechanical inspection is required and usually will be done at the same time as the out of province inspection, for no additional charge.

·         Once the out of province inspection is completed you will have 14 days to obtain your Alberta Insurance.

·         Obtaining you Alberta License can be done at the same time As step 4, or prior to coming into our office for you insurance quote and/or policy.

·         Once we have put your policy in force we will issue a liability certificate (pink card) with which you can then obtain your Alberta license plate and registration for your vehicle. 

Tips

 ·         The fine for driving without insurance is $2500.00 minimum, commercial vehicles is 10,000.00. Save your money, buy insurance.

·         A pink card registration and your driver’s license must always be with you when operating a motor vehicle. If not you may be calling the impound lot for their hours to get your vehicle out.

·         We offer many payment options, so save yourself the headaches, buy insurance from us.·         Some additional coverage’s are, replacement costs, loss of use, rental coverage’s, reduction of glass deductible.

·         Our office would love to hear from you. If it’s a question or advice you want we are sure we can help. We are here for you. We would love to be able to provide you a quote for all your insurance needs. Give us a call.1-403-283-8407 

Recommendations/Tips 

The following we believe will help you with the quotation process, so you do not need to spend more time than necessary.

 Automobile 

·         All loses/claims must be declared, regardless of who was at fault

·         All convictions or moving violations for the last three years must also be declared.

·         List of licensed operators in the household with their drivers licenses and dates of birth

·         Previous insurance company information for the last 6 years helps.(company name, policy #, policy dates)

·         The quote you receive is only as accurate as the information you give us

·         Vehicles over 15 years of age require mechanical inspection reports.

·        Antique and classic vehicles are beautiful, however they have special requirements appraisals are a must, as well as photos.