Why use a Broker instead of an Agent?

Simple, as brokers we work for you, the client!

An agent can only represent one company and only that companies products (i.e. State Farm, Allstate, Co-operators). As brokers we have access to several companies and products. This allows us to match the best insurance product to our specific client’s individual needs. As an example, while we may place your home insurance with one carrier, we may place your auto insurance elsewhere to maximize your savings!

Frequently Asked Questions

Have a question about insurance? The answer may be below. If you cannot find what you are looking for, feel free to contact us.

Q: Is there an extra cost for using a broker?

A: There is no extra cost to the consumer for using our services. Our job is to search the market to find you the best insurance possible for your unique situation. If we are able to provide you the product at the price you wish we are compensated by the insuring company at no extra cost to you.

Q: Are my personal belonging covered by my automobile policy if stolen from the vehicle?

A: Unfortunately no, Automobile insurance is legislated to protect the vehicle itself. Personal belongings should be covered under a habitational policy (homeowner’s, condo, and or tenants insurance). If you interested to see if you are covered for this, please contact us.

Q: My basement flooded! Am I covered?

A: Due to the complexity of this question it’s not a straightforward answer. It depends on many variables and the most important variable of that is where the water is coming from. Many people are unpleasantly surprised to find out they are not covered for this when they go to make a large claim for water damage. To learn more about how you are covered for flooding and how you can get more coverage please contact us.

Q: If I go to court and the conviction is dropped, Can I still be held accountable for the accident?

A: Yes, the conviction deals with the highway traffic act, the accident is under the insurance act. If you were to have the conviction of, for example, careless driving thrown out in court. You will still be held accountable for the accident by the insurance act.

Can I lend my car to anyone under 25 years old?

So long as the owner of the vehicle has given consent and the operator’s license is valid age should not be of concern.