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We Compare Quotes From Ontario's Top Insurance Companies
Navigate Your Way to Lower Home and Auto Insurance
A Reliable insurance broker helps Ontario drivers and homeowners compare quotes from multiple insurance companies so you can find the right coverage and price.
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Union & Professional Insurance Discounts
Many insurance companies offer group insurance discounts for union members, professional associations, and employees of certain organizations across Ontario.
In many cases you may also qualify if your spouse or partner belongs to a union or professional association. Our brokers can review available programs and help you compare quotes from multiple insurance companies.
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Home & Auto Insurance Discounts You May Qualify For
Many Ontario insurance companies offer discounts that can significantly reduce the cost of home and auto insurance. Our brokers review multiple insurers to help identify every available discount you may qualify for.
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Multi-Vehicle Discount
Households insuring multiple vehicles on the same policy may receive additional savings.
Multi-Policy Discount
Combining home and auto insurance with the same insurer can significantly reduce premiums.
Union & Professional Discount
Members of unions, healthcare workers, government employees and professional groups may qualify for group discounts.
Good Student Discount
Students with strong grades may qualify for reduced premiums.
Winter Tire Discount
Vehicles equipped with winter tires may qualify for additional savings.
Good Driver Discount
Drivers with a clean driving history may qualify for preferred rates.
Telematics Safe Driving
Drivers who enroll in telematics programs may save up to 25%.
Retiree Discount
Retired drivers who no longer commute may qualify for lower premiums.
Work From Home Discount
Vehicles used primarily for pleasure instead of commuting may qualify for lower rates.
Private Parking Discount
Parking your vehicle in a garage or secure parking area may reduce insurance costs.
Loyalty Discount
Drivers with long insurance history may qualify for additional discounts when switching insurers.
Driver Training Discount
Completing an accredited Ontario driver training course may help new drivers qualify for lower insurance rates.
Early Quote Discount
Requesting a quote up to 30 days before your renewal may qualify you for additional savings.
Pay-in-Full Discount
Some insurers offer discounts for paying your annual premium in full and avoiding installment fees.
Anti-Theft Device Discount
Vehicles equipped with anti-theft tracking systems such as TAG or KYCS may qualify for lower premiums.
No Claims Home Discount
Homeowners who maintain a claims-free history may qualify for lower home insurance premiums.
Mortgage-Free Home Discount
Homes that are mortgage-free may qualify for preferred insurance pricing.
Tankless Water Heater Discount
Homes equipped with tankless water heaters may qualify for reduced premiums.
Water Leak Detection Discount
Smart leak detection systems that automatically shut off water may reduce home insurance premiums.
Sump Pump & Backwater Valve
Installing sump pumps and sewer backflow valves may help reduce water damage risk.
Centrally Monitored Alarm
Homes with professionally monitored fire and burglary alarm systems may qualify for insurance discounts.
Fire Hydrant Proximity
Homes located closer to a fire hydrant may qualify for preferred insurance rates.
Multiple Property Discount
Insuring multiple properties with the same insurance company may qualify you for additional savings.
Endorsement Bundle Savings
Bundling optional coverages into endorsement packages may provide better protection at lower cost.
Supporting SickKids Foundation
$100,000 Pledged Over 5 Years
Reliable Insurance Brokers is proud to support the SickKids Foundation and the life-saving work they do for children and families across Ontario.
Through our company’s charitable giving program, we donate a portion of our profits each year to support pediatric care, medical research, and family services at SickKids.
So far we have donated $32,500, and we are committed to contributing $100,000 over the next five years.
How Our Ontario Insurance Brokers Help You Save on Home and Auto Insurance
Speak With a Local Ontario Insurance Broker
Start by speaking with a licensed Ontario insurance broker who understands the local insurance market. We take the time to learn about your home, vehicles, and lifestyle so we can recommend the right coverage. No call centres and no chatbots — just real advice from experienced brokers who work for you.
Compare Quotes From Top Insurance Companies
Our brokers compare quotes from leading Canadian insurance companies to find the best value for your home and auto insurance. We shop the market for available discounts, coverage options, and bundled savings so you can get better protection at a lower price.
Get the Right Coverage at the Best Price
A Reliable broker works on your behalf to make sure your coverage fits both your needs and your budget. We review your policy regularly and help you take advantage of new discounts so you continue to get competitive Ontario home and auto insurance rates.
Ontario Home and Auto Insurance FAQ
What does a home and auto insurance broker do in Ontario?
An Ontario insurance broker helps you compare home and auto insurance quotes from multiple insurance companies. Instead of contacting insurers individually, a broker shops the market for you to find the best coverage and price while helping you understand policy options and coverage levels.
Is it better to use an insurance broker or go directly to an insurance company?
An insurance broker can compare quotes from multiple insurance companies to help you find the best combination of coverage and price. Going directly to one insurer only provides a single quote, while brokers can shop the market on your behalf.
Do insurance brokers charge a fee in Ontario?
Most Ontario insurance brokers are paid by the insurance companies they represent, so customers typically do not pay a direct fee for quotes or advice.
How much does car insurance cost in Ontario?
Car insurance in Ontario varies depending on your driving history, vehicle type, location, and coverage limits. Many drivers pay between $1,500 and $2,000 per year, though rates can vary depending on the city and insurer.
Why is car insurance more expensive in some Ontario cities?
Insurance premiums vary by location because insurers analyze local claims data, accident frequency, and vehicle theft rates. Areas with higher claims or theft statistics typically have higher insurance premiums.
Is it cheaper to bundle home and auto insurance in Ontario?
Most insurance companies offer a multi-policy discount when you bundle home and auto insurance together. Bundling can often reduce premiums by 10% to 20% depending on the insurer.
What affects home insurance rates in Ontario?
Home insurance premiums are influenced by several factors including the value of your home, claims history, location, roof age, plumbing and electrical systems, and the coverage limits you choose.
What discounts are available for Ontario home and auto insurance?
Many insurance companies offer discounts for bundling home and auto policies, installing security systems, maintaining a clean driving record, insuring multiple vehicles, and maintaining a claims-free history.
What is the difference between replacement cost and actual cash value?
Replacement cost coverage pays to repair or rebuild damaged property without deducting depreciation. Actual cash value coverage pays the depreciated value of items based on age and condition.
Can I switch home or car insurance at any time in Ontario?
Yes, you can switch insurance providers at any time. However, some policies may include cancellation fees if you cancel before the policy term ends. A broker can help determine whether switching will save you money.
How can I get a home and auto insurance quote in Ontario?
The easiest way to compare Ontario home and auto insurance quotes is to speak with a licensed insurance broker who can shop multiple insurance companies and help you find the right coverage at the best price.