Sanctuary, Not Just Shelter.

In Alberta, your home faces hail, wind, and freezing winters. We build policies that stand up to the weather, so you can sleep soundly when the storm hits.

Secure Your Home

The "Trusted Advisor" Difference

Your home is likely your largest asset. Many banks simply assign a generic "blanket limit" (e.g., $1 Million) to your home without checking if it's actually enough to rebuild it. At McDonald Agencies, we use professional Evaluation Tools (ITV) to calculate your exact reconstruction cost—so you aren't paying for fluff, and you aren't left short.

Feature	Direct Writer / Bank	McDonald Agencies (Broker)
Valuation Method	Generic "Blanket" Tiers (e.g. $1M / $2M)	Precise "Insurance to Value" (ITV) Calculation
Claims Handling	Call Centre Queue	Local Advocacy & Support
Water Coverage	Postal Code Lottery (All or Nothing)	Multiple Markets = More Options
Advice	Sales Agent	Licensed & Dedicated Advisors

What We Insure

🏡 Homeowners

The full package. We cover the dwelling, detached structures (garages/shops), contents, and liability. We ensure you have Guaranteed Replacement Cost, so inflation doesn't leave you short if you have to rebuild.

🏢 Condo Owners

Warning: Condo Corp policies do NOT cover your unit's improvements or your personal liability. We specifically cover "Loss Assessment" deductibles, which can be up to $50,000 in Alberta.

🛋️ Tenants (Renters)

Your landlord insures the building, not your stuff. Tenant insurance covers your furniture, electronics, and—most importantly—your Liability if you accidentally start a fire or water leak.

🔑 Rental Properties

Being a landlord comes with risks. We offer "Rental Income" protection, so if your tenants have to move out due to a fire, you still get paid while the property is being repaired.

Coverage Decoder

Home insurance has its own language. Click the terms below to see what they actually mean for you.

Sewer Backup

This covers water coming UP from your drains, toilets, or sump pump failure. It is NOT automatically included in basic policies, but it is essential for anyone with a basement.

Overland Water

This covers fresh water entering from outside (e.g., spring thaw, river overflow, or heavy rain pooling against your foundation). Note: This is distinct from Sewer Backup.

Service Line Coverage

Did you know you own the pipes from the street to your house? If your water or sewer line collapses due to tree roots or age, this endorsement pays the $10,000+ excavation bill.

Guaranteed Replacement Cost

If your home burns down, this ensures the insurer pays the full cost to rebuild it, even if the price of lumber and labor has skyrocketed past your policy limit.

Condo Loss Assessment

Critical for Condo Owners. If the Condo Corporation has a massive claim (like a hail storm) and their policy falls short, they can assess the remaining cost to the unit owners. This pays your share.

Jewelry Schedule

Standard policies often limit jewelry theft coverage to ~$6,000. "Scheduling" an item ensures full coverage for engagement rings or high-value watches with no deductible.

Real-World Advice

We believe in educating our clients before the claim happens. Here are a few things we check for every homeowner:

The Condo Deductible Trap: Many Alberta Condo Corps have raised their water deductibles to $25,000 or even $50,000. If a pipe bursts in your unit, you could be on the hook for that amount. We make sure your policy fills that gap.
Preventing Floods: Installing a backwater valve or sump pump doesn't just keep your basement dry; it often lowers your insurance premium.
Home Inventory: In a total loss (fire), remembering every item you own is impossible. We provide checklists to help you document your assets before disaster strikes.

ALBERTA INSIGHT

Hail & Siding:
Hail damage is the #1 claim in our area. If you are renovating, ask us about the insurance discounts available for installing hail-resistant (Class 4) roofing or Hardie Board siding.

Is your home properly protected?

Don't wait for a renewal notice to ask questions. Let us review your coverage today to ensure your family is secure.

Get a Home Quote

Or call us at (403) 335-3442