Discover a Wide Range of Home Insurance in Strathcona County
Strathcona County is a popular municipality close to Edmonton that blends urban and rural environments. Despite a population of nearly 100,000, this area has many outdoor spaces for recreation and relaxation — perfect for its 24,000 families. With such ecologically friendly surroundings, is home insurance in Strathcona County important?
Surprising Crime Statistics
Even though Strathcona County is beautiful, local homeowners aren’t immune to problems such as crime. Between 2018 and 2022, almost 1,000 properties experienced breaking and entering. Just in 2022, there were about 900 cases of theft under $5,000 and 30 cases over $5,000. Home insurance can help families recover after break-ins.
Environmental Risks for Strathcona County Homes
Homeowners also need to prepare for dangers related to fires and weather damage. The region around Strathcona County has an average of 2,000 residential fires each year, in addition to some wildfires. Even small fires can cause expensive structural problems, moisture damage and smoke damage, making home insurance in Strathcona County a must for every family. The surrounding area is also vulnerable to months of freezing temperatures each winter.
Types of Home Insurance for Strathcona County Families
It’s easier for families to choose the right insurance coverage when they understand the differences between the options. There are four main types of home insurance coverage.
Structure Insurance
This essential coverage forms the foundation of many home insurance plans. It covers damage to the home’s structure, as well as attached garages, covered patios and other connected constructions.
Consider a few examples:
- Roof repairs after a hailstorm or fallen tree
- Home restoration or replacement after a fire
- New windows after a break-in
- Exterior repairs or restoration after vandalism
- Home repairs after frozen pipes burst
This type of insurance is immensely valuable for families. It can help them protect their homes from unexpected events.
Personal Belongings Insurance
While structural coverage protects the home’s physical appearance, personal belongings coverage can protect the possessions that family members hold dear. In the event of thefts or fires, this coverage can pay for the replacement or restoration of clothing, electronics, furniture, and other treasured belongings.
Liability Coverage
Sometimes, risks to homeowners are economic. For example, if visitors fall and suffer injuries on the property, they may sue for medical compensation and other damages. Liability coverage can help defend against lawsuits or cover settlements.
Additional Living Expenses
This supplemental insurance can make life easier for families after fires or other damages. With large repairs, it’s often necessary for families to stay somewhere else for a few weeks. Additional living expenses coverage can take care of hotel costs and related needs.
Trustworthy Information About Home Insurance in Strathcona County
At HUB International, our team is friendly and trustworthy. We take the time to explain the benefits of different home insurance plans. We can recommend a combination of coverage options for each family’s budget, circumstances and needs.
What does home insurance typically cover? Many plans cover the following events:
- Break-ins, theft and vandalism
- Damage from smoke, fires and explosions
- Lightning strikes
- Wind damage and hailstorms
- Damage caused by vehicles and thrown or falling objects
Some types of environmental damage, such as damage due to floods and earthquakes, aren’t usually included in home insurance policies. That said, we can add custom coverage if homeowners request it. Many homeowners opt for flood insurance, for example.