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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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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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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.