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Home & Car Insurance in Calgary

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TW Insurance – Home & Car Insurance in Calgary

Looking for car or home insurance in Calgary? Get a quote with TW Insurance! When you get a quote for car or home insurance, you’ll also receive a $20 e-gift card of your choice. Get a quote now

Alberta car insurance rates are the third most expensive in Canada1 – so it pays to work with a broker who can shop around for you and make sure you’re getting a competitive quote.

As a vibrant city which is a leader in the oil and gas industry and home to the Calgary Flames, The Stampeders, Calgary Hitmen and Cavalry Football Club, Calgary has a lot to offer its residents. Founded in 1894 as Fort Calgary, Calgary has now grown to be the largest city in Alberta, internationally known for hosting the world’s largest rodeo, the Calgary Stampede. Canadian airline WestJet, the second-largest Canadian air carrier, is also based out of Calgary.

Whether you live in Eau Claire, the Downtown West End, Chinatown, The Downtown East Village, Bowness, Montgomery, or Forest Lawn, TW Insurance brokers can help you save on car and home insurance. We want to help you take advantage of all Calgary has to offer by saving on insurance so you can spend on what’s important.

TW Insurance brokers will also help you make sure you’re getting the right coverage you need. If you’re one of the 73% of Calgarians who drive to work, you know how important it is to take good care of your car or truck.  When you’re driving on the Deerfoot Trail, one of the busiest highways in Canada, you need a car insurance policy that will protect you and your vehicle if something happens. It doesn’t matter if you’re driving to work or visiting the Devonian Gardens, Calgary Zoo, Calgary Tower, National Music Centre, University of Calgary or the Peace Bridge, TW has got you covered.

Get a quote today! When you get a quote for car or home insurance, you’ll also receive a $20 e-gift card of your choice. Get an online quote now or call a TW Insurance broker at 1-833-494-0075

Have questions about Calgary car or home insurance? We’ve got answers!

Frequently Asked Questions (FAQ)

Why should I shop around for a car insurance quote?

Car insurance rates vary widely between companies because different companies choose to insure different kinds of risks. Rates depend on each person’s unique situation, and no single company can claim to have the best rates in all situations.

Why should I use an insurance broker?

An insurance broker is basically your own personal insurance shopper. We get insurance quotes from various insurance companies to find you the best price and coverage. To find the best match, we’ll consider the product you’re buying, the price, any available discounts, the service you’d receive and other benefits your insurance provider may offer. 

Also, our brokers don’t work on commission — they work for you! You’ll never be offered coverage you don’t need.

What factors impact my car insurance rates in Calgary?

Insurers consider many different factors when calculating your car insurance rate, such as your vehicle make and model, postal code, age, driving record and claims history. If you’re an experienced driver without any accidents in the last six years who drives a less expensive vehicle, you’ll get cheaper insurance rates than someone who has caused a car accident recently and owns an expensive car. 

What car insurance discounts am I eligible for?

To save on your car insurance, you’ll want to make sure your taking advantage of all the discounts available to you. Some common discounts are the winter tire discount for having snow tires on your car during the winter months, a collision free discount if you have a clean record for the last six years, a conviction free discount if you don’t have any demerit points on your license, and a driving school discount if you are a relatively new driver and pass a driving school course recognized by your insurer.

What car insurance is legally required in Calgary?

It is required by Canadian law that every vehicle must be covered by the minimum amount of required insurance. In Alberta, you must have $200,000 third party liability and accident benefits coverage as the bare minimum.2

However, like most Calgary drivers you likely want to purchase more than just the bare minimum. Over 98% of vehicles are insured for at least a $1,000,000 limit of third party liability.2 Replacing or repairing a car can be quite expensive, so it pays to have collision and comprehensive coverage which you can rely on if you’re in an accident or if your car is damaged by other situations such as falling objects, vandalism, fire or a natural disaster. 

What does home insurance protect?

Home is a place where you want to feel safe and protected, and it’s important to know that your home is protected as well. Part of that peace of mind is knowing that your insurer will cover you if something happens to your house, cabin, condo, or secondary home or to your belongings. Home insurance covers the cost of replacing your home, your belongings and costs related to injury of a third party that happens on your property. If you live in an apartment, you can get tenant’s insurance to cover the value of your belongings. 

Am I legally required to have home insurance in Calgary?

No, home insurance is not required by law. However, if you own or are planning to buy a house or condo, your mortgage lender will require you to have home insurance as a condition of the mortgage. If you’re a renter, your landlord may require you to have renter’s insurance to cover the value of your belongings as a part of your lease. 

Why should I bundle my car and home insurance? 

Bundling your car and home insurance with one insurer is the easiest way to save! Most insurance companies will give you significant discounts if you have both a home and an auto insurance policy with them. Plus, you only have to deal with one insurance broker for all your insurance needs. Talk to your TW Insurance broker about the benefits of bundling.

Can TW Insure items other than my home and car?

Yes! TW Insures many recreational vehicles, including off-road motorcycles, dirt bikes, Seadoos, Jet-Skis, RVs, campers, trailers, motorhomes, fifth-wheels, ATVs, side-by-sides, quads and boats. When you bundle your recreational vehicle insurance with your home or car insurance policy, you could save with a bundling discount!

Ready to get a quote for car or home insurance in Calgary? When you do, you’ll also receive a $20 e-gift card of your choice. Get an online quote now or call a TW Insurance broker at 1-833-494-0075

1.    Canada Drives
2.    Automobile Insurance Rate Board Alberta

TW offers car and home insurance across Alberta!