Coverage Resources
Know what you're covered for.
Coverage guides, consumer resources, and regulatory information for Alberta home and auto insurance — curated for Koester Insurance Services clients and the public.
Definity broker resources
Definity provides Alberta brokers with consumer-accessible guides, policy summaries, and coverage explainers. As a Definity-appointed broker, we can share these materials directly with clients. If you need a specific brochure or coverage summary for your policy, contact us and we'll send it to you.
Home Insurance
Home coverage guides
Home Insurance Consumer Guide — IBC
The Insurance Bureau of Canada's plain-language guide to home insurance in Canada — what's covered, what's excluded, and how to make a claim.
Home Inventory Checklist — IBC
A practical checklist to document your personal property before a loss. Keep a copy off-site or in cloud storage — essential for a smooth contents claim.
Overland Flood & Water Damage — IBC
Alberta homeowners face increasing risk from overland flooding and sewer backup. The IBC explains the difference between coverage types and what to add to your policy.
Wildfire Preparedness Guide — Government of Alberta
Official provincial guidance on preparing your home and property before a wildfire — evacuation planning, defensible space, and what your insurer needs after a loss.
Auto Insurance
Auto coverage guides
Auto Insurance Consumer Guide — IBC
A plain-language overview of Alberta auto insurance — third-party liability, collision, comprehensive, accident benefits, and the DCPD system.
Understanding DCPD in Alberta — AIRB
Direct Compensation Property Damage came into effect in Alberta in 2022. The AIRB explains how it works and what it means for your claim when another driver is at fault.
After a Collision — What to Do
Step-by-step guidance from the IBC for the moments after an accident: what information to collect, when to call police, and how to start your claim.
Regulatory & Consumer Protection
Government & industry resources
Official sources for Alberta insurance regulation, consumer rights, and rate oversight.
Alberta Insurance Rate Board (AIRB)
The AIRB regulates auto insurance rates in Alberta. Their website publishes approved rate changes, consumer guides, and information on the 5% rate cap for clean-record drivers.
Insurance Bureau of Canada — Alberta
The IBC is the national industry association. Their Alberta consumer resources explain coverage requirements, how to file a complaint, and how to compare quotes.
Alberta Superintendent of Insurance
The provincial regulator for insurance companies and brokers operating in Alberta. File a complaint, verify a broker's licence, or review consumer protection rules.
Automobile Accident Benefits — Government of Alberta
Official government overview of accident benefits available to injured Albertans, including the reforms introduced under the Enhanced Care legislation.
Need a specific brochure or coverage summary?
As a Definity-appointed broker, we have access to consumer-facing coverage guides and policy summaries. Contact us and we'll send you the right document for your coverage.