Learn More about Home Insurance in Edmonton

Home insurance is an invaluable asset to you and your family. It helps protect from financial loss in the case of natural disaster, theft, injuries sustained on your property, and many other worst-case scenarios.

While having home insurance in Edmonton can bring you peace of mind, understanding the policies behind home insurance can be difficult to comprehend. That’s why HDF Insurance has put together a list of frequently asked home insurance questions. This is by no means an exhaustive list. If you have any further questions, please do not hesitate to contact us.

Home Insurance FAQ


  • How Much Insurance Do I Need?

    The cost of home insurance in Edmonton depends on many factors, including:

    • The value of the physical structure
    • The value of all your personal property (furniture, clothing, appliances, etc.)


    It’s important to take a thorough inventory of all your possessions, from entertainment systems to family heirlooms to ensure you can get an accurate value. Once you know the value of your home and personal belongings, then it will be easier to determine just how much home insurance you need. Please note that there are some limitations as to what types of personal property can be included under your insurance policy. Be sure to talk with HDF Insurance to learn more.

  • What Impacts My Home Insurance Premium?

    Your premium can be impacted by a number of things including where you live and the age of your roof. For example, if your neighbourhood is prone to break-ins and property damage, your insurance may cost more. Located near a water source like a fire hydrant? This may reduce your insurance costs.

    Other factors that may impact your premiums include:

    • How you heat your home
    • Whether you have fuses or breakers
    • The material your pipes are made out of
    • The size and composition of your home
  • What Happens Once I File a Claim?

    Once you have filed a claim, a claims adjuster will contact you to discuss the loss or damage. The adjuster will determine the extent to which the insurance policy will cover your claim.

  • Are There Ways to Reduce My Insurance Premium?

    You can reduce your home insurance premiums a number of ways. For example:

    • Prep your home for natural disasters
    • Increase your deductible in order to pay a lower premium
    • Cover only what you need to cover
    • Eliminate older buildings, like a dilapidated shed, on your property
  • I Plan to Move. Does My Home Insurance Protect My Belongings During the Move?

    In general, home insurance in Edmonton can cover your belongings and furniture when you move. However, there are occasions in which the company can refuse coverage, like when something very valuable has been damaged in a traffic accident that occurred along the way to your new place. Be sure to look over your policy for details on what your insurance does and does not cover while you move.

    Consider hiring a professional moving company. Most moving companies carry some form of property damage insurance. This will come in handy if one of the movers accidently damages something during the move.

Have More Questions about Home Insurance in Edmonton?

Still have questions about home insurance? Contact HDF Insurance for more information. As an independent insurance broker, we work for you – not the insurance company. We will shop around to find the best rates possible for the exact coverage you need.