One thing is for sure, life is full of uncertainties, and a lot of the time, we may feel like we have no control over the unpleasant events that happen. This is why getting personal insurance is more important than we think.
If you are ready to take the next step towards personal insurance security, here’s our list of the top personal insurance providers in Calgary. Their agents and brokers will help you look into your current circumstances and choose the right plans for you!
How Much Does Personal Insurance Cost in Calgary?
Personal insurance offers different coverage based on your individual needs and current financial situation.
To help you assess, here’s the average cost of getting personal insurance in Calgary:
|Family Healthcare Premiums||$1206 per month (for a family of 4)|
|Private Health Insurance||$63 per month|
|Home Insurance||$78 per month|
|Car Insurance||$1,320 per year|
The Top Personal Insurance Providers in Calgary
Having personal insurance is like having a big safety net that we know you can benefit a lot from. So if you are here to learn more about it, we gladly present you to the top personal insurance providers in Calgary!
1. Johnson Insurance
|SERVICES||Car insurance, Home insurance, Travel insurance, Group benefits|
|ADDRESS||501 326 11 Ave SW, Calgary, AB T2R 0L5|
|CONTACT DETAILS||Telephone: (403) 262-4141|
|OPERATING HOURS||Mon to Fri 9:00 am – 4:30 pm|
John Insurance is an insurance company that’s been providing citizens all over Canada with personal insurance. They offer are home insurance, car insurance, travel insurance, and they also have quite a few group benefits.
Some of the coverages of home insurance include policies for homeowners, condos owners, tenants, and even for vacation trailers. For travel insurance, it covers medical emergencies, dental emergencies, trip disruption, baggage protection, and so much more for an unlimited amount of trips per year.
While for car insurance, you can choose Comprehensive Coverage for things like theft, fire, & vandalism, Collision Coverage in case of accidental collisions, or All Perils Coverage which combines both Collision Coverage and Comprehensive Coverage.
They also have tons of great benefits for groups and associations that can be tailor-made to fit the benefits and coverages. These can include health & dental benefits, car insurance, life insurance, and more.
You can also get free home or car insurance quotes easily on their website by filling up a few forms. You can also file all your personal insurance claims as well as manage your policies and benefits online but just note that there have been a few reports of issues with these online filings.
One thing we’d love to bring to your attention is that Johnson Insurance has 24/7 claim support to help you with any and all of your claims. They also have a comprehensive FAQ section on their website in case you want to check it out.
By the way, for every $20 in premium that you pay, you earn 1 AIR MILES® reward.
You’ll also be glad to know that, in the event of your first accident, your premium won’t increase. This is because of their First Accident Forgiveness policy.
Makes claiming easy
“After that guy hit my car, this company made the claims experience very easy and worked with my dealership to make sure I got my car back quickly.” -Anon
“I personally recommend Johnson. I got a Johnson quote through Servus credit union & my annual rate went down 45% (сompared to the previous insurer). Also because I had Johnson insurance it gave me an entry into a $2500 fuel card which I won. Thanks, Johnson?” -Scott
2. RBC Insurance
|SERVICES||Home insurance, Car insurance, Leisure & lifestyle, Life insurance, Health insurance, Travel insurance, Credit & loan protection, Retirement investment solutions|
|ADDRESS||10655 Southport Rd SW, Calgary, AB T2W 4Y1|
|CONTACT DETAILS||Phone; 1-888-821-9440|
|OPERATING HOURS||Mon to Fri 8:00 am – 8:00 pm|
Sat 8:00 am to 6:00 pm
RBC Insurance Company of Canada was founded in 1987 and has since provided Canadians everywhere with great insurance policies that provide them with financial protection.
Their personal insurance includes home & property insurance, car insurance, life insurance, health insurance, and travel insurance. No matter your financial status, they try their best to help you find an insurance policy that suits your needs and your financial capacity.
One of the best things about RBC Insurance is that, at the very beginning, a licensed insurance advisor will help guide you to choose the best insurance policy for you. This is great especially if this is your first time getting insurance and aren’t sure what exactly you need.
They have tons of insurance discounts for all of their products that you can check out here. They also have a referral program wherein you just download the coupon, use it for your friends or business, and they get $50 off on their new insurance policy.
You can request a free online quote for all the different types of insurance policies they provide up on their website. You may also submit and manage your insurance claims online.
However, they don’t offer online policy management so you’ll have to get in contact with them directly if you want to change anything in your policy. They also don’t offer any group or company benefits.
They also have a convenient insurance calculator on their website that suggests the coverage amount you should get depending on a few personal and lifestyle details.
Wonderful experience, amazing service
“I have had a wonderful experience for the past 5 years and continue to. I have received amazing service from my local advisors. I had previously set up a policy and saved a lot of money! I have since spoken with insurance representatives regarding my policies and to make changes. They are always kind, courteous and accommodating.” -Marco
Very satisfactory, great service, friendly & efficient customer service
“I had great service with RBC! Friendly customer service, efficient and great overall satisfaction. I had put in a claim because I was hit in my parking lot at work. I received a rental car while my car is in the shop getting fixed (which they arranged everything for), they also replaced my daughters car seat and sent me a reimbursement check very shortly after I submitted the receipt. People only seem to write about their bad experiences, for me I had a great one!“ -Jhowatt
3. Sproule Insurance
|SERVICES||Automobile insurance, Home Insurance, Life insurance, Health insurance Travel insurance, Special events insurance|
|ADDRESS||1230, 150 9 Ave SW, Calgary, AB T2P 3H9|
|CONTACT DETAILS||Phone: (403) 251-55559|
Fax: (403) 251-5966
Email: [email protected]
|OPERATING HOURS||Mon to Fri 8:30 am – 4:30 pm|
Sproule Insurance is an insurance brokerage company that prides itself on being a very straightforward one. This is with their products, prices, and the advice that they offer their clients as well as potential ones.
With this, we want to note that this isn’t an insurance company in itself. They’re an insurance broker and they connect you with the right insurance provider for you.
Insurance brokerage companies are ideal for those who really struggle to understand the way insurance policies and filing insurance claims works since their job is to assist you every step of the way. Sproule Insurance works with five of Canada’s biggest insurance providers: RSA, SGI Canada, Intact Insurance, Wawanesa Insurance, and Travellers.
They offer automobile insurance for motorcycles, classic automobiles, commercial automobiles, and personal ones. Their property insurance products are for homes, seasonal homes, marine homes, rented dwellings, and tenants.
For their life insurance products, you’ll find those for travel insurance, life insurance, health spending accounts, and special events.
Sadly, since they’re a broker company instead of a direct provider, you won’t be able to do any online claim filing or online claim management. You’ll have to contact them directly in case of any accidents but, again, this is very helpful for those who are first-timers in the insurance world.
Massively valuable, gives honest & thorough advice, efficient & friendly
“I’ve been working with Sproule for several years now, and my rep, Dennis Tran has been a massively valuable tool for me to discuss insurance with. Dennis is knowledgeable, friendly, down-to-earth, and efficient. He has given me honest and thorough advice over the years and has demonstrated that he is looking out for my best interests. This makes me a long term client, and I refer my friends and family to him at any opportunity I get.” -Miguel
Easy to work with, very helpful, gets you great deals
“Jay is very easy to work with, he is very helpful and does everything he can to help his clients. I requested quotes from several brokers, and Sproule Insurance got me a much better deal than anybody. My sister referred me to Jay because she’s been working him for years and always got excellent service. I will definitely recommend Jay and his team to all my friends and colleagues, and I will be coming back soon to purchase more services.” -Mikhael
4. Desjardins Insurance
|SERVICES||Automobile insurance, Home insurance, Recreational and leisure vehicles insurance, Pets insurance|
|ADDRESS||8400 Blackfoot Trail SE, Calgary. AB T2J 7E1|
|CONTACT DETAILS||Phone: 1-877-699-9923|
|OPERATING HOURS||Mon to Thurs 9:00 am – 5:00 pm|
Fri 9:00 am – 4:00 pm
Sat 10:00 am – 2:00 pm
Desjardins Insurance is an insurance provider that offers all types of coverage for individuals and businesses alike. Their insurance products include home insurance, auto insurance, tenant insurance, recreational vehicle insurance, and even pet insurance.
We appreciate how they allow you to file home and car insurance claims online. They also make it possible for you to manage your insurance policies easily on their website while still giving you the option to call for help.
This insurance provider has an app that is compatible with both Android and iOS systems. Aside from helping you manage your insurance, these apps also have helpful have prevention tools to alert you of severe weather conditions to keep you safe.
This app also keeps track of the way you drive to help you improve your road safety awareness. Plus you get rewarded for safe driving!
You see, signing up on their website gives you 10% off on your car insurance for 6 months. After those 6 months, you get a more personalized premium that either goes higher or lower depending on your driving.
If you have a different provider and wish to switch to Desjardins Insurance, they’ll give you 20% off on your home insurance as long as you’re claims-free with your current provider.
Now, if you bundle both your home and car insurance, you get to save up to 35%. You can avail of these quotes easily on their website.
Goes above and beyond, explains terms clearly, extremely helpful
“This gentleman was absolutely amazing, so friendly and very helpful. Very knowledgeable as well. He went above and beyond for me as well as getting a decently priced quote. He also explained how things worked for me and how to do certain things if need be, extremely helpful especially to younger people who are new to this. Ross from Dejardin ( in Calgary ) was absolutely amazing.” -Tianna
Highly recommended, very kind agents, provides optimal advice
“The agents were very kind and great people to work with on my auto insurance! They provided optimal advice on whether you go with them or not and have positive attitudes. Would highly recommend their service. They made my auto insurance experience at Dejardins enjoyable! They were very patient, informative, gave me a better price and they have an auto program to give you a discount as well, thank you so much!” -Tracy
5. Palmer Salmon Insurance Ltd
|SERVICES||Automobile insurance, Motorcycle Insurance, RV & boat insurance, Life insurance, Homeowners Insurance, Renters insurance,|
|ADDRESS||12 2400 Centre St NW, Calgary, AB T2E 2T9|
|CONTACT DETAILS||Telephone: (403) 230-3000|
Fax: (403) 230-3222
Email: [email protected]
|OPERATING HOURS||Mon to Fri, 9:00 am – 5:00 pm|
Sat, 9:00 am – 3:00 pm
Here we have another insurance broker in Calgary: Palmer Salmon Insurance Ltd. With over 30 years in the business, we highly recommend them as an independent insurance broker.
They do their best to figure out what it is that you need and find or make tailor-fit insurance policies to provide you with the coverage that suits you the most.
Some of their insurance products include automobile insurance, motorcycle insurance, RV & boat insurance, life insurance, homeowners insurance, as well as renters insurance.
Now, if you’re getting your automobile or motorcycle insurance with them, you’ll be glad to know they’re adjacent to a full-service Alberta Motor Vehicle registry. This will make it all the easier for you to get insurance and get your automobile insurance.
Their RV insurance is much lower than the rest of their products because they take into account that these mobile homes are inactive most of the year. However, this doesn’t make it any less comprehensive with all risks coverage, anti-theft coverage, unit replacement cost, and more.
Their homeowners, tenants, and renters insurance cover all sorts of homes, townhouses, condos, and the like. It also offers coverage for events like water damage, property loss, vacancy issues, and the like.
Finally, their life insurance is an affordable way to keep you financially protected. This will help you maintain your normal lifestyle without worrying if you or those around you will be financially drained in the event of a death or accident.
You can request automobile, homeowner, travel medical, and motorcycle quotes on their website for free. However, you can’t file any claims nor manage your policies on the website due to the fact that these require getting into contact with the company themself.
You can file your claims by directly contacting the broker you’re working with and they’ll help you through the entire process.
“Has been with this company for 7 years. Absolutely love them, I highly recommend.” -Jennifer
Offers great prompt service, does their best to create the best policy for your needs
“Have been with Palmer Salmon for close to 5 years now and have only experienced great quick prompt service. They’re constantly trying to save you money as well as come up with the best policy for your insurance needs. Kyla King in particular is just amazing! She’s absolutely the best insurance brokerage representative I’ve ever dealt with!” -GW
FAQs about Personal Insurance Providers in Calgary
There you have it! Our list of the top personal insurance providers, and a couple of insurance brokers, that can help you stay financially protected in the event of an unforeseen event that we’d rather not happen.
If you found this list helpful, please feel free to reach out and tell us all about the insurance provider you decided to go with! If you have any questions, also don’t hesitate to send us a message and we’ll get back to you as soon as we can.
By the way, you may also want to check out our list of the best financial advisors in Calgary. Personal insurance is for financial protection, financial advisors are for financial freedom!