Insurance Broker in Ottawa

BrokerLink is a full-service insurance brokerage with brokers all across Canada, including in Ottawa. Since 1991, we have helped Ottawa residents find quality home, auto, and business insurance solutions. Contact BrokerLink to learn more about what an Ottawa insurance broker can do for you.

Licensed Ottawa insurance brokers are just a phone call away

Ottawa is a vibrant city, not to mention the capital of Canada. With many cars on the road and some of the highest car insurance rates in Canada, it is beneficial to Ottawa drivers to find the most competitive auto insurance rates possible. Similarly, if you own or rent a home in Ottawa, you must ensure that your property and its contents are protected. That's where BrokerLink comes in.

BrokerLink can help Ottawa residents save time and money by matching them with competitive home, auto, and business insurance policies. This way, you can receive the best coverage at the lowest possible price. Whether you want to insure your new downtown Ottawa apartment or want to protect your vehicle on your daily commute to Gatineau, our team of licensed advisors is available to help you find the right insurance for you.

A friendly and knowledgeable BrokerLink insurance advisor will work to help you navigate the ins and outs of purchasing an insurance policy. We will even work with you to create a customized insurance policy and can provide you with a complimentary quote on home, auto, or business insurance. For a hassle-free insurance experience and great coverage, get in touch with BrokerLink today.

BrokerLink Ottawa insurance offerings

Let the BrokerLink Ottawa team help you find insurance products related to the following:

Home insurance

A home is one of the largest purchases you will make in your life. Protect it with home insurance. The right home insurance policy can safeguard your home and its content against everything from fire, theft, and water damage to hurricanes, tornados, power outages, and more. Ultimately, it’s up to each Ottawa homeowner to decide which coverage they want to include with their policies. It will depend on where they live, as well as their budget. But rest easy that when you buy homeowners insurance through BrokerLink, an insurance expert will be by your side at every turn. Whether you live in a condo, townhouse, or detached home, we can find an Ottawa home insurance policy for you. We also offer tenant’s insurance for renters in Ottawa. Contact BrokerLink to learn more about home insurance options in Ottawa.

Get a home insurance quote

Business insurance

If you own and operate a business in Ottawa, business insurance might be for you. Business insurance can help you safeguard the company you have dedicated your time to. Depending on the coverage you choose, you can be protected against cyber attacks, negligence, third party property damage, bodily injury, fire, water damage, and more. We can help Ottawa businesses of all sizes and industries find great coverage. Commercial general liability, commercial property, cyber liability, professional liability, and product liability are a few of the coverages we can help you find and understand. Contact BrokerLink today for more information.

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Car insurance

If you drive a car in Ottawa, then you need a valid auto insurance policy as auto insurance is mandatory throughout Ontario. A valid policy in Ottawa must comply with Ontario law, which means it must include no less than $200,000 in third party liability coverage, along with uninsured automobile coverage, accident benefits coverage, and direct compensation - property damage coverage. For help finding the best auto insurance coverage at the lowest possible rate, get in touch with BrokerLink. We can help Ottawa drivers of all ages find quality car insurance policies.

Get an auto insurance quote

Other insurance coverages for Ottawa residents

Though BrokerLink is known for helping Ottawa residents find home, business, and auto insurance policies, we can also help you find the following coverage:

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

Why do I need insurance in Ottawa?

Ottawa residents will benefit from insurance because of the financial protection it offers. The purpose of any type of insurance is to help a policyholder mitigate risk. Whether you’re looking to reduce risk on the road, for your home, or for your business, insurance will do just that. For example, by purchasing car insurance, you can protect yourself and your vehicle from the financial consequences of an accident (e.g. vehicle repairs bills, medical expenses, lawsuits, and more). Similarly, the right home insurance policy can help protect you against the cost of property damage caused by insured perils like theft, fire, or water damage. Without insurance, you would be left to pay for a loss entirely out of pocket, which can have serious and long-term consequences.

Is insurance mandatory for Ottawa residents?

It depends. Some types of insurance are mandatory while others are not. Auto insurance is one example of mandatory insurance. The Government of Ontario stipulates that all drivers in the province must purchase car insurance in order to get behind the wheel. Therefore, if you are an Ottawa driver, you will need to have a valid car insurance policy that complies with provincial law. Failure to purchase such a policy can result in hefty fines (up to $25,000 for a first offense and up to $50,000 for a second offense) and licence suspension. Avoid these serious consequences by making sure that you have a valid, up-to-date car insurance policy.

Although car insurance might be the only type that is required by law in Ottawa, other types may still be required. For example, a mortgage lender or a landlord can require you to purchase home insurance or tenant’s insurance, respectively. Mortgage lenders can make home insurance a condition of their mortgage loans while landlords can make tenant or renters insurance a condition of the lease agreement. Ultimately, even if a certain type of insurance is not mandatory in Ottawa, purchasing it is worthwhile for many residents.

Three factors impacting Ottawa insurance costs

A few factors that might impact the cost of Ottawa insurance are listed below:

• Ontario has some of the highest car insurance rates in Canada. This will have a direct impact on how much you pay for car insurance in Ottawa.
• Ottawa is known for its harsh winters, with temperatures falling into the negatives for months on end. These extreme temperatures can be tough on water pipes and indoor plumbing, especially in old Ottawa homes. Your walls must be well insulated to avoid frozen pipes bursting. Contact a BrokerLink insurance advisor about water damage coverage so that you don’t end up paying for costly repairs if something goes wrong in your Ottawa home.
• Ottawa is a relatively safe city, with some of the lowest crime rates of any city in Canada (lower than Vancouver, Montreal, Calgary, Edmonton, Winnipeg, and more). That said, crime rates can change quickly and a rise in car theft or breaking and entering incidents can lead to more expensive insurance rates.

The best way to find out how much Ottawa insurance will cost you is to contact BrokerLink. While we don’t set insurance premiums (those are set by insurance companies), we are pleased to offer free insurance quotes to Ottawa residents that can give you an idea of how much insurance will cost.

How to save money on Ottawa insurance

Want to learn how to save money on insurance in Ottawa? BrokerLink can help. We specialize in helping Ottawa residents find quality insurance policies at competitive rates. Beyond shopping around on your behalf, comparing rates, and unlocking discounts, our insurance advisors are happy to provide their tips on how to save money on insurance - no matter what type of insurance you are in the market for. Check out this list of money-saving tips below:

Increase your policy deductible

A quick way of saving money on insurance is by increasing your policy deductible. As most insurance companies will tell you, a higher deductible often translates to a lower premium. However, increasing your deductible is not a decision that should be made lightly. Contact BrokerLink to learn more about the pros and cons of raising your deductible.

Choose annual payments over monthly payments

Our next tip for saving money on Ottawa insurance is by paying for your policies annually rather than monthly. Though insurance companies often give you the option of paying for your policy annually or monthly, the latter often comes with administrative fees that are charged every time you make a payment. For this reason, paying for your policy in one annual instalment is usually cheaper than paying for it in twelve monthly instalments.

Bundle multiple insurance policies

Our third tip to save money on Ottawa insurance is to bundle insurance policies together. Insurance companies are more likely to reward policyholders who purchase more than one policy from them. So if you are looking to insure more than one vehicle in your household or buy multiple types of insurance (e.g. home insurance + car insurance or pet insurance + car insurance), be sure to purchase it all from the same provider and you could save up to 15% per policy.

Install winter tires on your car

One last money-saving tip is to install winter tires on your car (this tip pertains to car insurance, specifically). Equipping your car with snow tires during the winter months could result in a car insurance discount of up to 5%. This is because insurance companies like to reward policyholders who make an effort to increase their safety and reduce their odds of an accident, and winter tires do just that. If you are interested in a snow tire auto insurance discount, speak to a broker now. A BrokerLink insurance advisor can inform you about the specific conditions that must be met to qualify for such a discount (e.g. some providers might stipulate that all four winter tires must be the same model or that the tires must remain on your vehicle for a set time period).

Enlist the help of a registered insurance broker in Ottawa

Shopping for insurance can be stressful. Scouring the internet for quotes, comparing policies with complicated industry jargon, and making sense of all the different coverage options can leave you feeling overwhelmed and confused. Luckily, BrokerLink is here to help. As an insurance brokerage, our job is to make shopping for Ottawa insurance hassle-free. Thanks to our expert advice and quality insurance solutions, finding the right insurance for you and your family just got easier. So no matter if you are looking for home, auto, or business insurance, you can count on BrokerLink. Check out three reasons to enlist the help of an Ottawa insurance broker now:

Brokers work independently of insurance companies

First, brokers do not work for insurance companies. They work for you, the customer. This means that a BrokerLink insurance advisor will always put your needs first. It also means that you can always trust that your advisor is providing you with unbiased, objective advice on the best insurance policies for you and your family.

Brokers do the work for you

Another reason to enlist the help of an Ottawa insurance broker from BrokerLink is that we do all the work for you. After taking the time to understand your insurance needs, we will shop around on your behalf, obtaining quotes, comparing policies, and unlocking discounts. Meanwhile, you can sit back, relax, and spend your free time exactly how you want to be spending it.

Brokers are insurance experts

One final reason to work with an Ottawa insurance broker? BrokerLink insurance advisors are experts in their field. They know the ins and outs of the insurance industry and will ensure you get great coverage at a competitive rate. Take advantage of unparalleled resources and expertise by contacting BrokerLink Ottawa today.

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting our neighbours!

Contact us

At Ottawa BrokerLink, 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 Ontario. 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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