Insurance Broker in Saint Thomas

A good insurance broker can be hard to come by, but not at BrokerLink. BrokerLink St. Thomas employs top-notch, fully licenced brokers, each of whom has experience serving customers just like you. Let our team of skilled advisors make your insurance dreams come true.

Personalized St. Thomas insurance is right around the corner

Do you want to find an insurance policy that is personalized to your needs? We feel you. Get in touch with BrokerLink and we will match you with an Ontario insurance broker who will work to find tailor-made insurance coverage. We wholeheartedly believe that since no two policyholders are the same, no two insurance policies should be the same either. We will work to find you a customized policy that is in line with your insurance goals, lifestyle, and budget. So far, we have helped St. Thomas residents find everything from property insurance and automobile insurance to pet insurance, ATV insurance, boat insurance, farm insurance, business insurance, and much more. Our insurance expertise knows no bounds. We will ensure everything in your policy is exactly as you want it, from the coverage to the deductibles. Get in touch today to learn more about our flexible and personalized St. Thomas insurance offerings. We promise you won’t be disappointed.

Insurance brokers explained

How can you decide to work with an insurance broker if you don’t know what they are? We define insurance brokers now to help you determine whether working with an insurance broker or an insurance agent is right for you. To put it simply, an insurance broker acts as a middleman between an insurance company and a customer. In the case of BrokerLink, our insurance brokers help customers all across Canada find a wide array of insurance policies that meet their needs. Insurance brokers are familiar with the insurance products sold by many different insurance companies and have connections with these companies. This allows them to cater to a variety of customer needs and budgets. For example, full-service insurance brokerages like BrokerLink are able to help customers find everything from car insurance and home insurance to business insurance and pet insurance. Insurance brokers are also fully licenced and subject to the same regulations as insurance agents, so you can rest easy knowing you are in good hands when you work with a St. Thomas insurance broker.

Three reasons to consult with a St. Thomas insurance broker

Consulting with a reputable insurance broker in St. Thomas is a wise choice for many reasons, from the expertise they offer to the convenience that comes with having an insurance professional at your fingertips. If you’re looking for a few reasons to convince you to work with a St. Thomas insurance broker, keep reading:

Expertise

Insurance brokers have insurance expertise that is simply unmatched outside of the insurance industry. So if you want to benefit from the knowledge of someone that has years of experience finding policies for people just like you, working with a St. Thomas insurance broker is an excellent idea.

Cost-effectiveness

A second reason to work with an insurance broker is that doing so can be cost-effective. How? Insurance brokers can find you a great deal on your insurance policy. With so much insider knowledge, they know where to look to get you a great rate. They can also make sure you qualify for as many discounts as possible.

Convenience

Finally, consulting with a St. Thomas insurance broker is extremely convenient. In fact, insurance brokers offer a level of convenience you won’t find anywhere else. Unlike insurance agents, brokers will help you from beginning to end. They will research policy options, give you advice, help you buy or renew a policy, and even help you submit a claim down the road. If you want to avoid being stressed out when buying insurance, using an insurance broker is the way to go. It’s convenient, quick, and easy.

BrokerLink St. Thomas has the insurance coverage you deserve

Great insurance coverage that protects your St. Thomas business, home, and automobile is what you will find at BrokerLink. Between our insurance expertise, free quotes, and comprehensive coverage options, we can handle the insurance needs of all our St. Thomas customers.

St. Thomas business insurance

Safeguard the business you have built from the ground up with St. Thomas commercial insurance. Commercial insurance comes in all shapes and sizes, and a BrokerLink insurance advisor can find the right policy for your St. Thomas business. No matter what sector your business is in, from retail to finance to manufacturing, we can match you with a personalized policy. Cyber insurance, commercial property insurance, professional liability insurance, crime insurance, umbrella liability insurance, commercial auto insurance, and commercial general liability insurance are just a few examples of the types of coverage that can be added to your business insurance policy. A BrokerLink insurance specialist will ensure that your business policy contains only the most relevant insurance coverage.

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St. Thomas property insurance

BrokerLink has St. Thomas home insurance policies to suit both renters and homeowners in Ontario. We can find you a quality tenant insurance policy, high-value home insurance policy, or even an insurance policy for your cottage, seasonal home, or rental property in St. Thomas. Of course, we can also help St. Thomas residents find basic house insurance plans that will protect their properties against personal liability claims, property damage, etc. In essence, we will work to find the right coverage for your town - wherever it is located and whatever it looks like. As a full-service brokerage, we can also provide our St. Thomas customers with effective home protection tips, advice on changing house insurance, and much more.

Get a home insurance quote

St. Thomas automobile insurance

Automobile insurance is another of BrokerLink’s specialties. We can help customers find St. Thomas car insurance policies that are both valid in Ontario and have the coverage you and your vehicle need. Our automobile insurance specialists can match you with a great policy, explain your additional coverage options: comprehensive coverage, collision coverage, accident forgiveness coverage, and more, as well as give you advice on how to save money on auto insurance. We can also walk you through the process of renewing car insurance, submitting a claim to your insurance company, or adding a secondary driver to your insurance plan. If you have questions about car insurance, make BrokerLink St. Thomas your go-to brokerage.

Get an auto insurance quote

More insurance coverage options for St. Thomas customers

BrokerLink is a true one-stop shop for the insurance needs of St. Thomas residents. More than insurance coverage for cars, homes, and businesses, we can also help you find coverage for your boat, farm, snowmobile, upcoming wedding, and more. Learn more about our extensive insurance coverage options for St. Thomas customers below:

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

What you need to know about St. Thomas insurance requirements

Certain types of insurance may be required in St. Thomas, and understanding these requirements is crucial, especially if you want to avoid breaking the law. To ensure you comply with all insurance requirements in your municipality, we provide some insight into mandatory home insurance, auto insurance, and business insurance below:

Mandatory home insurance in St. Thomas

St. Thomas home insurance is not always mandatory, but sometimes it is. Knowing when it is and isn’t mandatory is important, and there is one place you can look: your mortgage or lease agreement. Typically, home insurance is required of mortgage lenders or banks and landlords in St. Thomas. This means that if you are required to purchase a property insurance plan, it will say so in your mortgage contract or lease agreement. In the case of a mortgage lender requiring home insurance, it is typically a homeowner’s insurance policy that is required of you (e.g. a policy with dwelling coverage, content coverage, and personal liability coverage). However, if it is a landlord that is stipulating home insurance, it is usually tenant or renters insurance. If you have no idea whether you need to purchase St. Thomas home insurance, contact a BrokerLink insurance broker today.

Mandatory auto insurance in St. Thomas

Mandatory auto insurance is a little easier to understand, mainly because it is a legal requirement everywhere in Ontario. Therefore, there is no contract you need to consult to help you determine whether you are required to buy it. If you drive in St. Thomas, you need to buy a car insurance policy. It is that simple. However, understanding the minimum coverage requirements for car insurance can be a little more complicated. But BrokerLink can help. A BrokerLink St. Thomas insurance advisor will gladly explain the minimum coverage requirements for Ontario drivers, such as third party liability coverage, accident benefits coverage, uninsured automobile coverage, and direct compensation - property damage coverage. Please note that if you are a St. Thomas driver who does not purchase car insurance or you purchase a policy that does not meet the province’s minimum coverage requirements, you are breaking the law. This type of legal violation could result in a $50,000 fine or the suspension of your driver’s licence if caught.

Mandatory commercial insurance in St. Thomas

Commercial insurance might be mandatory for some businesses in St. Thomas. That said, it is not mandated by the government in the way that auto insurance is. Therefore, understanding whether your business needs it can be tricky. That is why the best course of action is to get in touch with a local insurance broker. A broker can inform you of any commercial insurance requirements for businesses of your size or in your industry.

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What factors influence insurance costs in St. Thomas, Ontario?

Understanding how insurance costs are calculated can be difficult, especially given how many different factors insurance companies consider. There’s a reason that insurance costs, even among policyholders in the same province, vary so widely. It is because insurers take into account a whole host of factors, many of which are completely outside of the customer’s control. Although insurance brokers like us do not set insurance premiums, we can provide insight into how insurance agents do this. More specifically, we can inform you of the factors that matter most when your rates are being calculated. Of course, the details that will be considered depend on the type of policy you are looking to purchase (e.g. home insurance, car insurance, pet insurance, commercial insurance, etc.).

Factors that are usually considered when determining St. Thomas home insurance premiums include the location of your home, its projected worth, its size, its age and condition (with particular attention paid to the age and condition of the roof, heating system, plumbing system, and electrical system), the number of people that live in it, whether you own or rent it, and the value of the items inside if it (note: if you have high-value items in your home, you may want to purchase high-value home insurance). Next, the factors that are considered by an insurance company when setting an auto insurance rate may include the policyholder’s age, home address, gender, driving record, the make, model, and year of the car they drive, how frequently they drive, how many kilometres they drive each year, for what purpose they use their car, and more. Finally, your company’s location, annual revenue, size, and number of employees are all likely to be considered when calculating the insurance premium for your St. Thomas business.

Lastly, a few factors that are important no matter what kind of insurance you are purchasing include your personal insurance claims history, the coverage you wish to include in your policy, your preferred coverage limits, and your selected policy deductible. For advice on how to get a cheaper rate for your St. Thomas insurance policy, or to receive a free home, auto, or car insurance quote, contact BrokerLink today.

Save on St. Thomas insurance today with these insurance broker-approved tips

For many St. Thomas customers, finding an insurance policy that they can afford is their top priority. We understand this, which is why BrokerLink’s team of insurance advisors is always happy to provide tips on how to save money on insurance. We never want insurance to break the bank, so whether you’re looking for car, auto, or home insurance, read the tips below and you’ll be surprised how much money you can save:

• Ask an insurance broker about bundling insurance policies (i.e. buying more than one insurance product together) and you could save up to 15% per policy.
• To lower your St. Thomas insurance premium, increase your policy deductible by a few hundred or a thousand dollars.
• Budget so that you can afford to pay for your insurance plan upfront in one installment instead of paying for it in twelve monthly installments, which may come with hidden fees.
• Evaluate your insurance coverage each year (ideally before your policy is up for renewal) and update it according to your needs. If a certain type of coverage is no longer necessary or you can afford to raise your deductible, doing so can save you money on insurance.
• Ask a St. Thomas insurance broker for help and advice on how to save money on insurance.
• Protect the environment while enjoying a reduced auto insurance rate by driving and insuring a hybrid or electric car (savings of 5% or more).
• Become a responsible driver and qualify for a car insurance discount by enrolling in an approved driving program in your province.
• Invest in safety devices and install them in your car, home, or workplace to qualify for various insurance discounts.
• Make driving safer in the winter and save money on auto insurance by installing snow tires on your car during the cold months.
• Keep your driving record clear of infractions and you could be eligible for a safe driver discount on your St. Thomas auto insurance plan.
• Avoid living in a St. Thomas home that has a pool on the property, in the eyes of insurance companies, pools are major liability risks and will instantly raise your home insurance rates.
• Choose to live near a fire station, fire hydrant, or other emergency services to save on property insurance .
• Pay off your mortgage or buy a home with cash to qualify for a mortgage-free home insurance discount.
• Create and implement an in-depth risk management strategy at your business.

We’re in your community

Community values are what we embody here at BrokerLink St. Thomas. We are part of the community, and as such, we treat our St. Thomas customers with respect, integrity, generosity, and kindness. Of course, we also strive for excellence in everything we do, and that extends to both our customer service and insurance coverage. Get in touch to learn more about BrokerLink St. Thomas today.

Contact us

At St. Thomas 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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FAQs on St. Thomas insurance

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