Most Albertans buy personal insurance once and forget about it until something goes wrong. The problem is that policies can be underinsured, mismatched to your actual situation, or full of exclusions that only surface at claim time. At Core, we take the time to understand what you own, how you use it, and what it would actually cost to replace it before we put a policy in front of you.
We work with multiple carriers, including Intact Insurance, Aviva, Economical Definity, and Forward Insurance Managers, so you're getting a recommendation based on your needs, not on what's easiest for us to place.
Your home is likely to be your largest financial asset. Whether you own a detached house, a condo, or a high-value property, the gap between what your policy says and what it will actually pay out matters more than most people realize until they’re in the middle of a claim.
Alberta’s home insurance landscape has its own pressures: hail damage alone cost the province over $1 billion in 2023, and rising construction costs mean rebuild values are frequently higher than what older policies reflect. We review your coverage against what your home would actually cost to rebuild today, not what it was worth when you first bought the policy.
Auto insurance is mandatory in Alberta, but mandatory doesn’t mean adequate. The minimum coverage required by law may not be enough to protect you after a serious collision, and many drivers don’t realize the limits of their policy until they’re in the middle of a claim.
We compare options across our carrier partners to find competitive rates without stripping out the coverage that matters. Whether you’re insuring one vehicle or several, we make sure the policy you’re signing reflects how you actually use the road.
Tell us what you own, how you use it, and whether you've had any prior claims. The more context we have, the better the recommendation.
We pull quotes from multiple insurers and evaluate them side by side — not just on price, but on what the coverage actually includes.
No jargon, no rushing you to a signature. We explain what you're buying and what it doesn't cover before you commit.
Life changes: new home, new vehicle, renovations, young drivers added to the policy. Reach out whenever something shifts and we'll make sure your coverage keeps up.
As an independent brokerage, we’re not under pressure to favour one carrier over another. Our job is to find the right fit for your situation, and to be honest when a cheaper option has trade-offs worth knowing about.
Our clients in personal lines are largely families, homeowners, and individuals who want a broker relationship, not a call centre. They want someone who picks up the phone, remembers their file, and doesn’t make them start from scratch every renewal.
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Often yes, but not always. Bundling with the same carrier usually comes with a discount, but it only makes sense if that carrier is competitive on both products. We run the numbers both ways and show you the full picture.
If your coverage limit is based on an older appraisal or a purchase price several years ago, there’s a good chance it hasn’t kept pace with Alberta’s rising rebuild costs. We can help you calculate a more current replacement value and adjust your policy accordingly.
Yes, meaningfully. Calgary and surrounding areas have among the highest hail exposure in Canada, and carriers price that into their Alberta home insurance rates. What you can control is making sure your deductibles and coverage limits are structured sensibly for the risk you’re actually carrying.
Collision covers damage to your vehicle from an impact with another vehicle or object. Comprehensive covers non-collision events: theft, hail, fire, flooding, and animal strikes. Both are optional in Alberta but worth understanding before you decide whether to include them.
In most cases, yes. A prior claim or an imperfect driving record affects how carriers price your risk, but it doesn’t mean you’re out of options. We’ll be straightforward about what’s available and at what cost.
Whether you’re renewing, switching brokers, or insuring a property for the first time, we’re happy to take a look. A proper review costs you nothing and usually turns up something worth knowing.
