Auto Insurance can be stressful
High premiums with no clear explanation, uncertainty about the claims process, and the fear of your insurance rates going up – these are common worries. On top of it all, when you talk to an agent, you might end up with a generic plan that doesn’t fit your needs.
A common misconception is you’ll pay a larger amount as a commission to the brokerage firm. But you actually don’t - we get paid a commission from the insurance companies. We’ll only recommend plans that are actually right for you.
BENEFITS & MISSION
Why Choose BrokerUnion?
The main differences between the big banks and boutique brokerage firms like us are:
1. More Options
We’re not tied to one insurance company. We shop around to find you the best
rates and options.
2. We Work For You
We always act in your best interest, and your privacy is as sacred as a lawyer’s confidentiality agreement. Unlike Insurance companies that offer only their own insurance, we are not obligated to the insurance companies.
3. Experienced Team
We have the expertise to handle any situation, all while providing the personal touch you deserve. Professionalism and friendliness are our hallmarks.
4. Personal Relationships
We believe in sitting down and having a real conversation with you. Your situation is unique, and you deserve a tailored solution.
5. Education
We’re not just brokers; we’re educators. Our goal is to provide you with all the
information you need to make informed decisions.
What We Do
We offer you a range of insurance options from different carriers, each with their own prices and coverage, to find the perfect plan for you.
We provide a personal touch - from start to finish, you'll have a single point of contact, a real person who's here for you. No bouncing between multiple customer service reps.
We ensure accuracy - with online insurance calculators, it's easy to make mistakes without even realizing it. This can lead to either overpaying for coverage or being underinsured. When you work with us, you're partnering with trusted professionals you can count on.
We educate you - as licensed brokers, we meet higher standards compared to online insurance tools, banks, or direct writers.
What Sets Us Apart
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage of the Year (in the under 25 brokers category) because we focus on choices, education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
The main differences between other brokerage firms and us are
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage
of the Year (in the under 25 brokers category) because we focus on choices,
education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of
carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping
over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
All brokerages don't have the same carrier options. We have access to numerous top carriers, plus dozens of carriers that can handle almost any situation.
What is Auto Insurance, Really?
Auto insurance is like a safety net for you and your vehicle in case of an accident. It covers things like vehicle repairs, personal injuries, medical expenses, and more. And remember, in Ontario, you’ve got to report any accident within seven days, no matter who’s at fault.
We partner with top car insurance companies, ensuring our clients get access to a wide range of insurance options tailored to their unique needs. Whether you’re a new driver, experienced behind the wheel, or have a less-than-perfect driving record, including tickets and accidents, we’ve got you covered. Don’t stress; we’ll take care of the hard work and find you an insurance plan that suits your specific needs without breaking the bank.
What Do You Need To Know?
There are a lot of variables you may need to know.
For example – you may have had a rental accident, or hit a shopping cart, or a friend crashed your car, or you inadvertently caused a major accident. You want to know “What am I liable for?” and we’re here to help.
All you need to do is give us a call and we’ll walk you through the process.
Our Happy Customers
CLIENT'S TESTIMONIAL
What Our Auto Insurance Clients Say
We contacted BrokerUnion after our insurance company that we have been with for 17 years increased our insurance premiums for our car and home year after year. Sharmin is so patient and professional and she was able to find us insurance with new companies that have saved us approximately $1500 per year on our home and car insurance!!! Sharmin was always available to answer my many, many questions and she ensured that the transition was smooth and without hassle. I highly recommend her.
Thank you Sharmin.
Mr. Papillon Absolor was referred to us by our friend last year.
As new in purchasing a home insurance, he did a superb assistance to us. He’s very helpful, responsive and knowledgeable. He found a great rate for our home insurance back then.
Recently, I had contacted him for our auto insurance need and he gave us the best insurance that covered both our home and auto needs. My husband and I greatly appreciate Papi for his assistance to us and would definitely recommend him and the company to my friends!
QUESTIONS & ANSWERS
Frequently Asked Questions
How can I save on home insurance costs?
There are several ways to potentially save on home insurance, such as:
– Bundling: Combining your home and auto insurance with the same provider often leads to discounts.
– Increasing Security: Installing home security systems and smoke detectors can result in lower premiums.
– Higher Deductible: Choosing a higher deductible can reduce your premium.
– Loyalty Discounts: Some insurers offer discounts for long-term customers.
Is home insurance mandatory?
Home insurance is not legally required. However, if you have a mortgage, your lender will likely require you to have home insurance in place until the mortgage is paid off. Even if you own your home outright, having insurance is essential to protect your investment, belongings and liability.
What factors affect the cost of home insurance premiums?
Several factors can influence the cost of home insurance, including:
– Location: Properties in areas with higher crime rates or higher risk of natural disasters may have higher premiums.
– Dwelling Value: The replacement cost of your home, which is influenced by its size, construction materials, and features.
– Claims History: If you’ve filed previous claims, it could impact your premium.
– Home Security: Having security systems, smoke detectors, and burglar alarms can potentially lower your premium.
– Deductible: A higher deductible typically results in lower premiums.
Are home-based businesses covered under standard home insurance?
Standard home insurance policies may have limited coverage for home-based businesses. For comprehensive coverage or additional endorsements, separate business insurance may be necessary.
Is renting out through Airbnb, VRBO or another property rental company included in my homeowners policy?
Anyone operating a short-term rental or thinking of getting into the business, should check their coverage with their broker. Not all insurance providers are accepting of this.
What is the difference between replacement cost and actual cash value in home insurance?
Replacement cost coverage pays the full cost to repair or rebuild your home and belongings without depreciation. Actual cash value coverage takes depreciation into account, meaning you would receive a payout based on the current value of the damaged items.
Do you provide insurance for rental properties?
Yes, we have several options insurance for rental properties.
Do you offer cottage insurance?
Yes, we can help with your cottage or seasonal properties. we’re here to answer your questions and ensure that your vacation property is protected properly.
Do I need to purchase insurance if I am renting or does my landlord cover it?
This is a common question. You do need to purchase tenant insurance to protect your personal belongings and your liability.