Insurance for Homeowners in British Columbia
For most families, our home is where we keep our most cherished belongings. For that reason, it is imperative that we safeguard our homes from all the perils that it faces.
We know that even the greatest safeguards cannot protect our homes completely from perils such as earthquakes, fires, floods, and any other imaginable catastrophes, which is why purchasing home insurance is so important. Home insurance seeks to indemnify you for damages caused by insured perils in order for you to repair or replace your property and get you back to enjoying your home like you did before the loss.
The perils facing your home are limitless and it’s not possible, nor cost effective to insure them all, which is why at Allena Chong Insurance, we seek to understand the risks unique to your home by asking the right questions and listening attentively to your concerns, objectives, needs and your budget. Only after understanding your needs and objectives do we formulate a plan to help you obtain a policy that best suits your unique objectives.
Any Questions?
Contact Allena Chong today, we’ll be more than happy to assist you. We are committed to our promise of providing exceptional service to our customers.
Allena Chong’s Service Guarantee
Listening to You
Our process starts by listening to you and understanding the risks unique to your home. Then we’ll ask the right questions to ensure that no risks are overlooked. We take no short cuts in ensuring you have the best available coverage for your needs and our work doesn’t stop with the delivery of your policy. We will communicate with you as often as you need to ensure your coverages are tailored to your individual needs.
Claims Service Guarantee
Claims are always unexpected events that cause disruption to our lives. At Allena Chong Insurance, we understand the stress you are under when those unexpected events occur and our team is dedicated to assisting you through the claims process and getting you back to normal as quickly as possible.
Rate Protection Guarantee
Catastrophes are an unfortunate but expected part of life. Their impact is often hard to predict which is why we will often see insurance premiums fluctuate from year to year as insurers re-calibrate their actuarial models based on their own predictions for the year. In order to protect you from those rate fluctuations, our team will automatically survey our available markets for the best coverage and rates should your annual premiums increase by greater than 10% and communicate all of our available options to you so you can make an informed choice.
Convenient Payment Options
We offer a variety of payment options including: credit card, cheque, online banking, e-transfer for annual lump sump payments. However, if you prefer to spread out the payments, we also offer payment plans with pre-authorized debit. We will advise you of the costs of all the options and help you pick the payment plan that works best for you.
Build Your No-Claims Discount
A lot of insurance companies provide discounts to those who haven’t made any claims for a few years. The discounts could amount to hundreds of dollars annually so any claim could have significant financial implications in the future as it can take several years to earn back those claims free discounts. We take the time to advise you on all the options available so that you can make the most informed decision when you have suffered a loss to minimize the financial impacts to you and your family.
Applied Discounts
Insurance companies offer a wide range of discounts – like bundling your home and auto, having a monitored alarm system, being mortgage free, having a good credit rating, and many others. We seek to keep you informed of all the savings available and how to qualify for them, so that you don’t pay a cent more than that is necessary.
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