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Home & Car Insurance in Medicine Hat

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TW Insurance – Home & Car Insurance in Medicine Hat


Looking for car or home insurance in Medicine Hat? 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

Working with a broker is the best way to make sure you’re getting the best rate possible – in Alberta, drivers pay the third highest premiums in Canada for car insurance, so it pays to shop around!1

Located along the South Saskatchewan River, Medicine Hat started as a railway town and is known as “The Gas City” because of its large natural gas fields. Today, Medicine Hat boasts a high quality of life and affordable cost of living, with several major industries located in the city.

It doesn’t matter if you’re driving around Medicine Hat to get to work, attend school, visit family and friends or enjoy all Medicine Hat has to offer – TW Insurance brokers has got your back! 

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 Medicine Hat car or home insurance? We’ve got answers!

Frequently Asked Questions (FAQ)


How do I get the lowest car insurance rates in Medicine Hat?

Working with a broker is the easiest and best way to find the lowest rates for car insurance. You’ll not only save time because the broker will shop for quotes for you, you’ll also get access to expert advice if you have questions about your policy or coverage.


How can I pay less for car insurance?

When you buy car insurance, there are multiple discounts that may be available to you. Insurers will offer discounts for factors that decrease the risk of a claim, such as installing snow tires, having no recent car insurance claims, boasting a clean driving history or passing a driving school course. Ask your broker about the discounts that you qualify for when you get a quote.

The easiest way to save is by bundling both your home and car insurance policies together. When you have both policies with one insurer, you’ll typically get a sizeable discount, and you only deal with one insurer when you have to make a claim or change your information, such as updating an address.


What are the differences between liability insurance, collision insurance and comprehensive insurance? 

Liability, collision and comprehensive insurance are all types of car insurance coverage that you can purchase.

Liability insurance covers any damage or injury your car causes to other people or vehicles. The law requires that in Alberta you must have a minimum of $200,000 of third-party liability and accidents benefits coverage.2

Although not required, it’s highly recommended to also purchase collision and comprehensive coverage. Collision insurance covers the cost of repairing or replacing your own car if you are in an accident. Comprehensive insurance pays for damage to your car as a result of a natural disaster, theft or vandalism. Having comprehensive and collision insurance will help protect your investment.


Do I have to have home insurance?

Home insurance isn’t required by law, but a mortgage lender typically requires you to buy home insurance before giving you a mortgage. Home insurance can cover your condo, house, cabin or secondary home as well as your possessions. If you live in an apartment, a landlord can also include having tenant’s insurance as a condition of your lease.

Home insurance will help cover the cost of replacing or repairing your home or belongings if something should happen, whether you live in a condo, house, cabin or apartment. Additionally, it can help pay for legal fees that occur as a result of someone getting injured on your property.  


What amount of home insurance should I purchase?

When you’re buying home insurance, the amount of coverage you need depends both on the value of your belongings and the value of your home. Experts recommend that you have enough insurance to cover the replacement cost of your home and possessions. It helps to keep a home inventory of your belongings so you know how much they’re worth and can buy the appropriate amount of coverage. Your broker can also help you determine how much coverage you need if you’re unsure.


How is my home insurance rate calculated?

The cost of your home insurance policy is determined by several factors, including the city where you live, how old your roof is, the type of heating, the replacement cost of your home, your plumbing’s condition, the value of your belongings and others. 

If you are doing any upgrades or major renovations to your home, you should let your insurer know as these changes may have an impact on your home insurance rates.

Ready to get a quote for car or home insurance in Medicine Hat? 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!