Cindy Williams Insurance LLC
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Need Alberta Insurance?

3/5/2020

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Approved rate increases ranged from less than 1% to nearly 30%. Over 92% of the private passenger vehicle market in Alberta submitted for a rate change for increasing premiums. Property insurance has not only seen dramatic premium increases, but substantial changes to coverage. Can't get a payment plan for your insurance policy? That is also becoming a norm.

So, well many in Alberta are struggling right now, the increased cost of insurance makes it even more difficult.

Many insureds look to direct insurance companies, not insurance brokers. That may not be the best option.

Direct Insurance Companies:
  • Many have implemented rate increases
  • Payment plan may not always be an option
  • Many do not offer specialty lines, just basic home and auto products.
  • What if you need commercial insurance? Decide to do ride sharing or AirBnB to add to your income? Have a rental, a vacant home, a hard to place homeowners’ policy? They may not offer these products and now you must shop around.
  • Coverage may not be created equal. Have you ever looked at your insurance policies thoroughly? Are you covered correctly? A property may be the biggest investment in your life, is your policy really covering all the risk? You may have purchased a new car; do you have all the additional coverage you may need?
  • Service is set up in a call center environment. Wait times may be long as you sit in a phone Que. You may never speak to the same person twice; you may get a different answer every time you call. It’s frustrating.
What you get with ME as your Insurance Broker:
  • 25 years’ experience in the Alberta Insurance Market
  • I am licensed in Alberta, Canada & Arizona, USA. If you choose to spend your winter in Arizona, trust me to handle your Alberta & Arizona insurance needs.
  • I have multiple insurance companies in Alberta to quote you with. Not only will I find you the best premium, I will always make sure you have the correct coverage. I will recommend the coverage you need, explain the insurance jargon in plain English and work with you.
  • Have a specialty insurance need? I have insurance companies that specialize in this. I will find you the coverage at the best price.
  • Payment plan is ALWAYS an option
  • I will be your designated agent. No call center environment. No waiting for a call back. If you need assistance on your insurance, have a policy change, or billing issue you would contact me directly every time. Your need will be resolved the same day. I will manage your policy from A-Z.
I have a happy customers 😊 Check out my reviews and my recommendations. I have built some great referral partnerships over the years and have clients that have remained with me for years. Service is of the utmost importance to me. It’s not about just selling you insurance; it is about being your trusted insurance agent for life!
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Canadians in Arizona

12/4/2019

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​If you are Canadian living in Arizona whether permanently or seasonally you will realize very quickly that insurance in Arizona is very different and can be very confusing. When I purchased my own vehicle and property insurance in Arizona my agent thought it was crazy, I was asking for 1,000,000 Liability on our vehicle. That’s because that is the standard in most provinces in Canada.
The minimum standard in Arizona is 15,000/30,000/10,000. First, what’s with the split liability? What does that even mean? Arizona insurance states Bodily injury liability coverage: Minimum $15,000 per person / $30,000 per accident. Property damage liability coverage: Minimum $10,000.
 Split liability isn’t even a thing in Canada…period.
 Imagine being in an accident with a driver that carries these limits. How would you be protected in a claim exceeding these amounts. What happens if you are hit by a driver that carries no insurance, then what?
That’s where underinsured and uninsured limits come into play on your policy in Arizona. This isn’t even a term or endorsement in Canada.
Now let’s talk about property insurance. Standard on policies in Canada are Guaranteed Replacement Cost. Most insureds in Arizona don’t even realize very few markets even offer this coverage and without it how much is your house insured really insured for if you had a total loss?
In Canada standard liability is again 1,000,000 on property policies. Not so in Arizona. I have seen limits drastically lower on Arizona policies. The impact of that as a homeowner could be very devastating in a claim.
Arizona communities are largely part of an HOA. Did you know that even if you don’t have a condo and have a house in an HOA you should have coverage for Loss Assessment?
I am a Canadian living in Arizona. I have been a licensed agent in Canada for 25 years, and now also licensed in Arizona. Since I am an insurance agent, I knew what to ask for when purchasing my first insurance in Arizona 10 years ago.
Canadians I think you need an insurance agent that has knowledge on both sides of the border. Contact me.
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    Insurance Agent for 25 yrs


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What My Clients Are Saying


Cindy has been a great help over the years! Not only did she handle my own personal insurance, she also took care of my clients. Cindy was quick professional and very friendly. All of my previous/current customers and clients were extremely happy with the service she provided. I will continue to do business with Cindy I hope that others will follow! Great Job Cindy!


Cindy was a quick professional and very friendly. I was extremely happy with the service she provided. I will continue to do business with Cindy I hope that others will follow! Great Job Cindy She gives one of the best rates that others can't even match her quotes.

Cindy took care of our insurance needs for many years - even helped on weekends. Highest recommendation.

​Cindy has been dealing with my insurance for many years now (10) she has been my rock and has been there for me, a true professional.



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