Insurance Broker in Sydney

High-quality insurance at a competitive rate is what you get with BrokerLink. No matter what kind of insurance you’re looking for, a member of the BrokerLink Sydney team can help you find it. Whether this is your first time buying home insurance or you’re looking for the ideal insurance policy for your new Sydney business, BrokerLink is here.

Quality insurance solutions for Sydney customers

Finding quality insurance might seem like an impossible task, but not with BrokerLink. Thanks to the expertise and experience of our licenced insurance advisors, the BrokerLink team can help you find everything from home insurance to business insurance. Check out three of our main insurance specialties below:

Car insurance Sydney

Car insurance is not just important for Sydney drivers, it is mandatory. Auto insurance is compulsory for all Nova Scotia drivers, no matter what part of the province you live in, your age, or what type of car you drive. A Sydney insurance broker with car insurance expertise can help with a wide range of car insurance solutions. For example, a broker can help you renew your car insurance policy, increase your deductible, file a claim, or find a new policy. We have helped Sydney drivers of all ages and experience levels find great auto insurance coverage. Of course, a BrokerLink insurance specialist will also make sure that your selected Sydney insurance policy complies with local laws.

For your car insurance policy to comply with local laws in Nova Scotia, it must feature third party liability coverage, accident benefits coverage, and direct compensation - property damage coverage. If you are interested in adding extra coverage to your policy, a BrokerLink insurance advisor can also help with that. We can explain how different optional coverages work, how they may benefit you, and the financial consequences of adding them to your policy. Examples of popular optional car insurance coverage that Sydney drivers add to their policies include collision, comprehensive, and accident forgiveness coverage. Lastly, a BrokerLink insurance advisor can also provide you with a free auto insurance quote and insight into how car insurance premiums are calculated.

Get an auto insurance quote

Home insurance Sydney

Home insurance is another popular insurance product in Sydney. There are many types of home insurance policies available to Sydney residents, including but not limited to basic homeowners insurance, tenant insurance, high-value home insurance, rental property insurance, vacation home insurance, and vacant home insurance. If you aren’t sure which one applies to your situation, a BrokerLink home insurance specialist can help. They can also help you decide on what coverage types, limits, and deductibles are right for you. Further, if you do not know whether you are required to purchase home insurance according to your mortgage loan or lease agreement, give BrokerLink a call.

One of our insurance advisors would be happy to review the terms and conditions of your contract to ensure you find a policy that complies with it. Beyond helping our Sydney customers find quality home insurance solutions, the BrokerLink team can also help you with tasks like changing address for insurance, adding someone new to your policy, or filing a home insurance claim with your insurance provider. BrokerLink is here to help with any and all of your Sydney property insurance needs.

Get a home insurance quote

Commercial insurance Sydney

Given the vast array of businesses that operate in Sydney, commercial insurance comes in many shapes and sizes. This makes knowing what type of commercial insurance is right for your company difficult. That’s where BrokerLink comes in. We have an entire team of insurance professionals dedicated to helping Sydney businesses find top-notch business insurance policies. Where we differ from other insurance brokers and agents is that we take the time to learn about your business and understand the unique risks it faces. This way, when we start shopping around for commercial insurance, we are able to find a policy that adequately meets the needs of your business.

To give you an idea of the wide variety of commercial insurance products available to Sydney businesses, consider some of the most popular types of coverage: commercial general liability coverage, product liability coverage, commercial property coverage, professional liability coverage, cyber liability coverage, crime coverage, umbrella coverage, home-based business coverage, commercial auto coverage, etc. These are just a few of the types of commercial insurance that a Sydney insurance broker can help you determine if your business needs, and from there, help you find the best policy for your needs.

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Additional insurance coverage in Sydney

Other types of insurance coverage that a Sydney insurance broker at BrokerLink can help you find include the following:

Boat Insurance
Condo Insurance
Vacation Property and Cottage Insurance
Tenant and Renters Insurance
Life Insurance Broker
Landlord Insurance
Musical Instrument Insurance
Wine Cellar Insurance
Umbrella Liability Insurance
Equine Insurance
Wedding and Special Event Insurance
Pet Insurance
Group Insurance
Associations
ATV and Snowmobile Insurance
Farm Insurance
Cyber Insurance
Storage Unit Insurance
Tractor Insurance
Employee Benefits
Travel and Trip Cancellation Insurance
Trailer and RV Insurance
Motorcycle Insurance
Identify Theft Insurance

If you need a type of insurance not listed above, don’t hesitate to get in touch. Given BrokerLink’s expertise and resources, we bet that we can help you find the coverage you are looking for.

Save money on your Sydney insurance policy with help from a broker

BrokerLink seeks to make insurance as affordable as possible for Sydney residents. Given all the other costs that come with running a business, owning a home, driving a car, or even caring for a pet, we don’t want insurance to add to the financial burden. That is why we are quick to provide tips and advice to our customers on ways that they can save money on insurance. It’s also why we make sure that we do our due diligence by shopping around and comparing insurance products to ensure you always receive the most coverage at the best price. To learn more about how you can save money on your Sydney insurance policy, read through this list of broker-approved tips:

Speak with your broker

Reach out to a BrokerLink insurance advisor in Sydney and ask for advice on how you can cut insurance costs.

Ask about Insurance bundles

Find out if insurance bundling is available to you and consider buying more than one insurance product at the same time to save 15% or 20% on each policy.

Opt for a higher deductible to decrease your premium

Raise your policy deductible if you want to lower your premium. Sometimes raising your deductible from $500 to $1000 can lower your premium making your annual policy more affordable.

Ask about monthly fees

Enquire with your insurance provider about transaction fees that come with various payment plans. If a monthly payment schedule has higher transaction fees, choose to pay for your policy upfront via an annual payment schedule if it’s feasible.

Review your policy annually

Carefully review your current policy before letting it renew automatically. Insurance providers are constantly underwriting behind the scenes, which means your policy premium could increase significantly from year to year. Before renewing your policy, assess your new premium and your current coverage to determine if you would rather shop around for a cheaper policy or stick with your current policy but update it in a way that cuts costs.

Consider a hybrid or electric car

If you’re shopping for a new car, consider buying a hybrid or electric car if you want to qualify for an electric vehicle discount on car insurance.

Opt for drivers education

Sign up for a defensive driving course or driver education course that has been approved by the province of Nova Scotia, and you could save money on your next car insurance policy.

Install anti-theft devices in your home and car

Buy an anti-theft device and install it in your car. Doing so reduces the chances of your car being stolen, which can lead to a car insurance discount. Install a monitored security system, such as a burglar alarm system, in your home or workplace, and you could qualify for a discounted home insurance or business insurance rate.

Install winter tires on your vehicle

Insurers recognize that winter tires are the safer option for those driving on winter roads, therefore they will reward drivers who install winter tires with a discount off their policy. Contact your broker to get the details of how to take advantage of this discount.

Maintain a clean driving record

Maintain a clean driving record that is free from traffic tickets, demerit points, and other infractions, and you could be eligible for a safe driver car insurance discount.

Install a telematics device

Speak with your car insurance provider about installing a telematics device in your car, or downloading a similar app on your mobile phone, to qualify for a telematics auto insurance discount.

Mitigate water losses

Install a sump pump or sewer backup protection device in your home if you want to minimize the odds of a flood and therefore save money on home insurance.

Make wise choices or complete upgrades

Choose a new home with modern electrical, heating, and plumbing systems over an old home with outdated systems. Old roofs or household systems in poor condition can lead to higher property insurance rates.- The more upgrades done to a home the less risk to insure it, let your advisor know whenever you do any home updates.

Think before you buy

Consider all factors when you consider buying your home, a major liability on the property, such as a swimming pool, can quickly raise your home insurance premium.

Scope out the local area and it’s amenities

Buy a home near emergency services, such as a fire station, or even near a fire hydrant. Living near water sources or emergency services can result in a significant house insurance discount in Sydney.

Take advantage of mortgage-free discounts

Qualify for a mortgage-free discount on home insurance by paying down your mortgage loan as quickly as possible. Speak with a financial planner to come up with a strategy and be sure to notify your insurance broker or agent as soon as your mortgage is paid off.

Maintain emergency plans

Research the importance of risk management and implement a risk management strategy at your business to minimize the likelihood of a claim and thereby reduce your commercial insurance premium.

How to buy insurance from a Sydney insurance broker

Are you ready to buy insurance from an insurance broker in Sydney? Follow the steps below, and you will have quality insurance before you know it:

1. Contact a Sydney insurance broker

Contact a local BrokerLink insurance advisor in Sydney to get started. You can choose whichever contact method you prefer. The BrokerLink Sydney office can be reached by phone, email, or in person (we are located on Pitt Street!).

2. Let your insurance broker shop around for coverage

Explain your coverage needs to your Sydney insurance broker and then let them do the heavy lifting. Step two is when you get to relax and leave things in your insurance broker’s hands. They will contact insurance companies in Canada, obtain quotes, and compare them to find you the best insurance rate.

3. Finalize your insurance coverage

Now is the time to purchase a policy. Your Sydney insurance broker will present you with several options. You will review them together and can ask questions. From there, if you want advice, your insurance advisor will give a professional opinion on the policy that makes the most sense for your needs. Take whatever time you need to decide, and once you know which policy you want to buy, your broker will help you with the final step of binding coverage. It’s that easy!

We’re in your community

BrokerLink is a full-service insurance brokerage operating in Sydney, Nova Scotia, and beyond. We value our communities more than anything else and take steps to engage in the community whenever we can. Getting to know our local customers is what we love about the insurance business. We are always happy to help our customers find quality insurance solutions or even just discuss the weather or Nova Scotia tide charts. Contact us today to learn more about what BrokerLink can do for you.

Contact us

At Sydney BrokerLink, located on Pitt Street, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible.

You can reach us by phone, email, or in person at any one of our locations throughout Nova Scotia. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

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Sydney insurance FAQs

Can I buy Sydney insurance online?

Yes, Sydney insurance can be purchased in three main ways: online, by phone, or in person. Many customers like the convenience of purchasing their Sydney insurance online from the comfort of their homes. Plus, purchasing an insurance policy online is quick and easy, and can be completed in as little as 30 minutes. You can request a free insurance quote online in minutes as well. Another option is to utilize a mix of methods. For instance, you could request your free quote online from an insurance company’s website and then phone them or visit one of their branches to finalize the details of your chosen policy.

What Sydney insurance coverage is right for me?

Knowing what coverage is right for you can be difficult. It takes time to properly assess your needs and determine the best kind of insurance coverage for them. However, this is an important step anytime you are purchasing a new insurance policy or even renewing an old insurance policy. To know what type of insurance is right for you, consider your budget, how risk-averse you are, and the specific risks that you want protection against.

How do I renew my Sydney insurance policy?

You might be surprised to learn how easy it is to renew an insurance policy in Sydney. Insurance companies try to make the renewal process as simple as possible, which is why many offer automatic renewals. If your policy automatically renews, then you won’t have to do anything at the end of your current policy’s term. However, if it doesn’t renew automatically, and you would like to renew it, you will need to contact your insurer to let them know. This can likely be done online via the insurance company’s website, over the phone by calling your insurance provider, or in person by visiting your insurance company’s office.

Before renewing your policy, we recommend reviewing your coverage to ensure it still makes sense for you. Since premiums change, you should always review your new premium to make sure you are still getting the most competitive rate for your policy.

How can I find cheap insurance in Sydney?

There are many ways to save money on insurance in Sydney if you want to make insurance cheaper. General tips for cutting insurance costs include bundling multiple insurance products together, paying for your policy annually instead of monthly, or increasing your policy deductible. However, there are also other ways to save, such as qualifying for an insurance discount.

Insurance discounts may be available on all types of insurance. From employment or education-based discounts to telematics and winter tire discounts on car insurance to burglar alarm system or sewer backup detection device discounts on home insurance, there are many ways you can minimize how much you pay for Sydney insurance.

Are insurance quotes free in Sydney?

Yes, many insurers offer free insurance quotes to Sydney customers. To obtain a free quote, you will need to contact a local insurance broker or insurance agent. Be prepared to provide some basic information about yourself and the type of insurance you’re looking for. The more information you provide, the more accurate your insurance quote will be. The other information you are asked to provide will depend on the type of insurance you are looking to buy. For example, if you want to obtain a car insurance quote, you will need to give information on the market, model, and type of vehicle you drive, whereas for home insurance, you may need to provide information on the age and condition of your home.

Is car insurance mandatory in Sydney?

Yes, car insurance is legally required in Sydney, Nova Scotia. In fact, no matter where you live in Canada, car insurance is mandatory if you drive a car. Driving uninsured can have serious consequences, like your car being impounded, losing your driver’s licence temporarily, or being fined thousands of dollars. To avoid these harsh penalties, make sure to purchase a valid car insurance policy that complies with local laws and renew it or purchase a new policy before the end of the term. Driving with an expired car insurance policy is the same as driving without insurance, and is therefore still illegal.

Is home insurance mandatory in Sydney?

Home insurance is not a legal requirement in Sydney, but it might still be required depending on your circumstances. For example, Sydney homeowners who buy their homes with a mortgage may have to purchase a home insurance policy to meet the terms of their mortgage loan agreements. Similarly, residents of Sydney who rent their homes may need to purchase a type of home insurance known as tenant insurance if they want to meet the terms of their lease agreement. Both landlords and mortgage lenders or banks can require tenants and borrowers, respectively, to purchase home insurance.

If you have any questions, contact one of our local branches.