Are you looking for a St Catharines insurance broker you can rely on? BrokerLink is here. We are a full-service insurance brokerage that has been helping St Catharines residents find customized insurance solutions for years.
BrokerLink St Catharines home, auto, and business insurance solutions
BrokerLink specializes in a wide range of insurance, which means we can match you with whatever type of policy you’re looking for. Learn more about BrokerLink St Catharines’ three specialties below - home, commercial, and auto insurance:
Home insurance
Your St Catharines home deserves to be protected, and that’s where St Catharines home insurance comes in. The right home insurance policy can help you protect your property and your personal belongings from theft, vandalism, property damage, and more. Specifically, you can insure your property against perils like fire, water damage, hurricanes, tornados, and power outages. BrokerLink is dedicated to finding the best coverage for each St Catharines homeowner. To do this, your BrokerLink insurance advisor will work within your budget and take the time to understand your unique needs. Whether you live in a condo, townhouse, or single family home in St Catharines, we can find a policy for you. In fact, even if you are not a property owner in St Catharines, we can still help. We are pleased to offer quality tenant’s insurance solutions to renters in St Catharines.
Get a home insurance quote
Commercial insurance
Running a business comes with many risks. No matter the size of your business or the industry you operate within, having commercial insurance is important. With commercial insurance coverage, you can protect your business from all kinds of unforeseen events, like a lawsuit or property damage. Depending on the coverage you choose, you can safeguard your St Catharines business against cyber attacks, negligence, third-party property damage, bodily injury, fire, water damage, business interruption, and more. Get in touch today to speak with a BrokerLink St Catharines insurance advisor about your business’s unique needs. From there, we can recommend coverage, such as commercial general liability, commercial property, cyber liability, professional liability, and product liability insurance.
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Car insurance
If you drive a car in St Catharines, then you need car insurance. Auto insurance is mandatory in Ontario, which means that driving without it is illegal. To ensure you are in compliance with provincial law, purchase a valid car insurance policy through BrokerLink. We will find you great coverage at an affordable price while making sure your policy meets Ontario’s minimum coverage requirements, ie: $200,000 in third-party liability coverage, uninsured automobile coverage, accident benefits coverage, and direct compensation - property damage coverage. No matter your age, budget, or the type of vehicle you drive, we can find a policy for you. Get in touch with BrokerLink St Catharines to learn more about our quality auto insurance services.
Get an auto insurance quote
Other insurance coverages that St Catharines residents may be interested in
As a full-service insurance brokerage, BrokerLink offers more than just home, auto, and commercial insurance. From ATV insurance to wine cellar insurance, keep reading to discover some of the other coverage types BrokerLink can help St Catharines customers find:
- Associations
- ATV and Snowmobile Insurance
- Farm Insurance
- Cyber Insurance
- Storage Unit Insurance
- Employee Benefits
- Life Insurance Broker
- Landlord Insurance
- Musical Instrument 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 Insurance
Insurance requirements in St Catharines, Ontario
Some types of insurance might be required for St Catharines residents. For example, auto insurance is government-mandated throughout Ontario. This means that the Government of Ontario has made it a legal requirement for all drivers. Therefore, if you want to drive in St Catharines, you will need to obtain a valid car insurance policy. A valid policy is one that complies with provincial law. In Ontario, that means a policy that meets the province’s minimum coverage requirements (i.e. a minimum of $200,000 in third party liability coverage, uninsured automobile coverage, accident benefits coverage, and direct compensation - property damage coverage). Driving without insurance is illegal and can lead to expensive fines, or suspension of your Ontario driver’s license if you are caught.
Another type of insurance that might be mandatory for some St Catharines residents is home insurance. Although not a province-wide requirement like car insurance, landlords and mortgage lenders or banks can require you to purchase home insurance policies for example, landlords can refuse to approve a tenant if they don’t purchase renter’s insurance and a lender or bank can refuse to offer a mortgage loan if the borrower does not buy adequate house insurance.
Information that may be used to calculate St Catharines insurance rates
Insurance companies use many factors to calculate insurance rates for St Catharines policyholders. Information that may be taken into account include:
- Car insurance is expensive in Ontario - In fact, the province is home to some of the highest rates in the country. Therefore, living in Ontario can influence your St Catharines car insurance rates.
- Ontario is known for its extreme winters - Beyond their unpleasantness, negative temperatures, along with snow and ice, can impact your insurance. For example, roads become more dangerous in the city, which can influence your auto insurance rates, while the pipes and plumbing in homes may be at risk of freezing, which can affect your home insurance rates.
- Lastly, your personal preferences for your insurance policy will also impact your premium - For example, the types of coverage you wish to include with your policy, and the limits and deductibles you choose (higher limits = more expensive but higher deductibles = less expensive) all directly correlate to the cost of your insurance plan.
For a better idea of how much St Catharines insurance will cost you, contact BrokerLink. While insurance brokerages like us don’t set insurance premiums (these are set by insurance companies), we can provide you with a free home, auto, or business quote. All we require is that you answer a few basic questions about the type of insurance you’re looking for, and before you know it, an expert insurance broker will give you an accurate and competitive quote. Beyond a complimentary estimate, one of BrokerLink St Catharines’ expert insurance advisors will take the time to explain your coverage options and go into detail about the other factors that might impact your premium.
How to save money on insurance in St Catharines
We help St Catharines residents save both time and money. Beyond comparing policies to best suit you with the most competitive rates, your dedicated BrokerLink St Catharines insurance advisor can unlock discounts you didn’t even know you were eligible for and let you in on the industry’s best-kept secrets for saving money on car insurance. A few of these secrets are outlined below so you can start saving today:
1. Raise your policy deductible
One way to save money on St Catharines insurance is by increasing your policy deductible. All insurance policies, whether you purchase home, auto, or business insurance, have a deductible. The higher you make yours, the lower your premium may be. Insurance companies like it when customers agree to take on more financial responsibility, so if you can afford to raise your deductible (even by just $500 or $1,000) and are looking to cut insurance costs, this can be a worthwhile option. However, experts caution against increasing your deductible to an amount you are unable or unwilling to pay in the event of a loss. Get in touch with BrokerLink St Catharines to learn more about how deductibles work and the benefits and drawbacks of increasing yours.
2. Avoid hidden fees by paying for your insurance plan annually
St Catharines policyholders may be required to pay extra fees beyond their premiums. These are sometimes referred to as transaction or administrative fees, and they may be added to your total every time you make a payment through your insurer. These fees can total anywhere from 2-6% added on top of your premiums. The more payments you make, the more fees you will likely have to pay. So to avoid paying more than you have to in admin fees, we recommend paying off your premium upfront, in one annual installment.
3. Bundle several insurance products into one
Bundling policies together is the third way to cut costs on your St Catharines insurance plan. Insurance companies like to reward loyalty, so if you purchase multiple policies from the same provider, they might offer you a discount (sometimes, this discount can be as high as 15% per policy). Therefore, consider buying two or more car insurance products from the same insurer or one car insurance product and one other insurance product (e.g. homeowner’s insurance, commercial insurance, or recreational vehicle insurance).
4. Purchase winter tires for your car and have them installed
One last way of saving money on St Catharines insurance is by installing winter tires on your car (this tip is for automobile insurance). Winter tires are not mandatory in Ontario. However, some insurance providers will reward you for installing them on your vehicle due to the safety they provide. Insurers recognize that a vehicle with winter tires is safer to drive during the cold months and reduces your odds of an accident. As such, they might offer qualifying policyholders an auto insurance discount. If you want to save money on St Catharines car insurance, call BrokerLink to learn how you can qualify for a winter tire auto insurance discount in Ontario. A BrokerLink insurance advisor can explain the stipulations that must be met to qualify for a discount (for example, some insurance companies require that all four snow tires be the same type or that the tires must be installed and removed by certain dates).
Why work with a local insurance broker in St Catharines today
Interested in working with a local insurance broker in St Catharines? You won’t be disappointed! BrokerLink makes shopping for insurance in St Catharines easier than ever before. We can help you contact insurance companies, make sense of your policy options, and find you great rates. If quick and convenient insurance is what you’re after, contact BrokerLink today. See below for three reasons to work with a local St Catharines insurance broker today:
Brokers and insurance companies work separately
First, insurance brokers and insurance companies do not work together, they work separately. This means that they work for you, the customer. You can rest easy knowing a BrokerLink insurance advisor is prioritizing your needs above all else. BrokerLink is committed to offering all St Catharines customers with an unbiased, expert opinion on the best policy for them and their families.
Brokers handle everything from start to finish
Another reason to work with a St Catharines insurance broker is that they do all the work for you. If you want a truly stress-free insurance experience, look no further than BrokerLink. From the moment you get in touch, you will be assigned a dedicated BrokerLink insurance advisor who will take care of everything. They will shop around on your behalf, contacting top insurance companies in Ontario. From there, they will obtain quotes, compare policies, and unlock discounts on your behalf. All the while, you get to sit back, relax, and spend your free time how you want to be spending it.
Brokers are insurance experts
The last reason to work with a local St Catharines insurance broker is that they are insurance experts. BrokerLink has been in business since 1991, and our team of licenced insurance advisors knows the ins and outs of the insurance industry. We have the resources and expertise to ensure you always get great coverage at an affordable rate. Take advantage of our team of insurance experts by contacting BrokerLink St Catharines today.
Get ready to buy insurance from a St Catharines insurance broker
Purchasing insurance from an insurance broker couldn’t be easier! Follow the three steps below and you’ll have a quality policy in no time:
1. Reach out to a local broker at BrokerLink St Catharines
The first step to buying insurance from a St Catharines insurance broker is to reach out to one. BrokerLink St Catharines can be reached using a variety of methods: phone, email, or in person. One of our expert insurance advisors will be happy to respond using whatever method you like. A BrokerLink St Catharines insurance broker will take the time to respond to your queries, give you an obligation-free quote, and understand your coverage needs.
2. Let your dedicated insurance advisor compare quotes
The second step to purchasing insurance from a St Catharines insurance broker is the easiest - we shop for you and compare quotes. While you relax at home, your dedicated insurance advisor will reach out to BrokerLink’s insurance partners for quotes, compare policy options, and narrow down some choices based on your previously-discussed coverage needs and budget. Once your insurance advisor has compared numero policies for you, they will send you their top picks.
3. You get an amazing insurance rate
Last but not least, you earn an amazing insurance rate. The third step to buying insurance through a broker is perhaps the best of all. Upon considering your policy options, you get to select the aligns best with your needs and budget. Your broker will explain each option cover-to-cover, outlining all the features of each so you can make an informed decision. At the end of the day, BrokerLink’s top priority is to find St Catharines customers the best coverage at the most competitive rate.
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!
Local Ontario Insurance Links
If you’re a member of a group or association, you may be eligible for more discounts.
Contact us
At St. Catharines 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 Catharines home insurance
What are the benefits of St Catharines insurance?
Purchasing insurance has so many benefits. Namely, an insurance policy - no matter what type you buy - offers financial protection. Without a policy, you would be forced to pay for the cost of an incident out of pocket. But with insurance, your insurance company may step in and help cover the costs associated with a vehicle collision, house fire, third party lawsuit, and more. Ultimately, insurance is one of the most effective methods of mitigating your financial risk.
Should I work with a St Catharines insurance broker or an insurance agent?
St Catharines residents have the option of working with an insurance broker or agent when buying insurance. There are benefits to working with both insurance brokers and agents. However, many St Catharines customers choose to consult with an insurance broker due to the convenience and expertise.
Is it safe to buy St Catharines insurance online?
Yes, it is safe to buy St Catharines insurance online. Purchasing insurance online is the go-to choice for many St Catharines residents due to its convenience. Insurance can be purchased online in a matter of minutes.
For more FAQs, visit the BrokerLink FAQs page.
