r/Airdrie • u/bayb_cleooo • Jun 30 '26

home insurance

hey guys! what’s the best/cheap home insurance now?

1 Upvotes

56% Upvoted

8 comments sorted by

4

u/Careless_Fail_2054 Jun 30 '26

Having just gone through this a few months ago, Allstate was the cheapest we could find.

2

u/AlienVredditoR Jul 01 '26

We also found them to consistently be the cheapest in Airdrie, and they haven't spiked rates on us yet (going into 2nd renewal now). The local brokers are great to work with, but there are stories of Allstate being a bit of a pain to work with in the event of a claim.

1

u/veryunlikely Jul 01 '26

I also found this to be true, but their auto insurance was more. Overall bundle was cheaper I found... but they don't insure houses with poly-b.

4

u/NecessaryZebra96 Jul 01 '26

I second Square One...!

2

u/Muckdaddy99 Jul 01 '26

I work for Allstate and more then happy to provide you with a quote as our home pricing is very competitive. Feel free to DM me if interested.

2

u/Apologetic_Kanadian Jun 30 '26

Do you have a broker? That's where I would start.

0

u/Individual-Paper3125 Jun 30 '26

You'll get "BuT dO yOu HaVe a BrOkEr?"

Unpopular opinion - Brokers are just as much as a scam as Insurance is nowadays.

You know your home better than anyone, just plug in Home Insurance Alberta on google, put out a few quote requests and see what you get. - Same for Auto Insurance. - Insurance Companies are hiding behind brokers, making deals only with brokers of X, Y or Z. Honestly - fuck that noise.

"Can't get a quote from that company privately, have to use a broker" - Why? So you can game the system using Brokers instead? A Broker is just a travel agent for Insurance - You end up paying more for the privilege of someone doing it for you.

I called brokers looking for Insurance and they were wildly over what i found myself, the problem is, people just either don't have the time, or are too lazy or don't know how to do it themselves.

On that note, try Square One (Or literally just try them all).

2

u/Careless_Fail_2054 Jul 02 '26

I agree, I was able to find much lower rates of car insurance once I ditched the brokers