Home Insurance can be stressful
If you are getting a mortgage, home insurance is a requirement. Those with heritage properties or otherwise unique in some way may struggle to find home insurance.
There can be high premiums, and they may not make sense- so what exactly does home insurance cover? Rest assured, we’re here to help you with all your questions.
We’re going to help you find discounts on your home insurance. Many factors can help - having a good credit score, merging your home and auto, having a monitored alarm, being a non-smoker, increasing your deductible, and more.
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 Work With BrokerUnion
The main differences between the big banks and boutique brokerage firms like us are:
1. Number of choices
We shop around to give you the best rate instead of offering you the products of one bank.
2. We build relationships
We’ll sit down and talk with you, and treat you with care and respect. You have a unique situation so you must have a unique solution.
3. Education
We explain this on our about page, but we are really in the education business. Our job is to give you all the information you need to make an informed decision.
4. Confidentiality
Bank employees have to look after the interests of the direct writer whereas a boutique brokerage has no obligation to anyone – therefore we’ll always act in the best interest of our clients. They’ll have to report on accidents and other impactful events to their bosses, which may increase your premiums, but we do not. It’s almost like the confidentiality agreement lawyers have.
5. 25+ licensed and experienced brokers
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
What We Do
We give you a variety of choices of carriers that have varying premiums and coverages so we ensure you get a plan that’s perfect for you. We can even do a lot of different things that other carriers can’t - such as taking on hyper-specialized risks.
We provide a human experience - from A to Z, you are talking to a real person, and the same one. You won’t just be passed around between several customer service representatives.
We are accurate - if you just use an online insurance calculator, there’s a chance you’ll put in the wrong information and not even know it. The danger behind that is you may either get a plan where you overpay on premiums, or a plan that doesn’t cover you properly. When you work with us, you’re using professionals you can rely on.
We educate you - as licensed brokers we are held to higher standards than an online insurance ‘calculator’ or a bank.
What Sets Us Apart
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:
We speak 22 languages
A great insurance plan is personal and unique, therefore communication must be extremely accurate.
Our Own App
We have our own app for all policy letters, communications, documents, pink slips, etc. Even if you switch carriers, it’s all on one app, which makes things very convenient for you.
Dedicated Customer Service Team
Dedicated customer service team – so that even in off hours, you won’t be left talking to an answering machine.
2022 IBAO Brokerage Of The Year
2022 IBAO Brokerage of the year (category under 25 brokers). To achieve that, we’ve prioritized the core of what makes a good brokerage – choices, education, and service. If we learn of a new way to get clients better coverage, or at cheaper rates, or with less time/effort invested by them, we’ll adopt it because we always put our clients first.
Choices
We have a very extensive list of carriers we work with. That lets us find you a plan that’s very custom to your needs.
Experienced Professionals
We have relevant experience. We’ve helped 5800+ clients with their auto insurance in the past 3 years.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
What exactly is Home Insurance?
Your home is one of the most important investments you will ever have. While home insurance is not mandatory by law in Ontario, going without it is a major risk. Home insurance can help protect you and your property against unexpected occurrences; like fire, theft, water damage, impact by a vehicle, and more. Homeowner’s insurance covers your property, its contents and personal liability of the policyholder (yourself, spouse, and dependent children).
If you are a homeowner, tenant, or unit owner, BrokerUnion will advise you on the best type of coverage plan for your home and loved ones who reside. Let us help protect the things that matter most in your life.
What Do You Need To Know?
There are a lot of variables we may need to know.
For example, property information, safety features, heating/electrical/plumbing, potential discount opportunities, and much more.
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 Home Insurance Clients Say
I’m happy with the insurance service I received from Susan Smith from Brokerunion Pickering office. She helped me find the best insurance fee that I can afford even though other insurance companies wanted to charge me more that what I can afford. I wanted a good car and tenant insurance policy and she provide it with great pleasure to help me. She also helped my son with a lower insurance. She was patient, respectful, kind and treat me with dignity. ✊🏽
I give 5 to this company and it is absolutely because of Susan.
It was such a pleasure to work with Shabnam Akbari who has given me a very best quote for my car.
Shabnam has put all her expertise, profession and patience to provide me with an affordable quote which I really appreciate it. I strongly recommend everyone to work through her and get the right quote for your cars and home insurance from broker union insurance. All the very best.
Maithily has been great to work with. She was able to get me the best quote and get it without causing me any hassle. She’s attentive and always answers calls. I know some may be hesitant to switch brokerages when already with one, trust me when I say the switch is worth it with the right Broker. Thank you Maithily!
QUESTIONS & ANSWERS
Frequently Asked Questions
How are auto insurance rates determined?
Auto insurance rates are influenced by various factors, including your driving record, age, gender, the type of vehicle you drive, your location, and the coverage options you choose. Insurance companies also consider statistical data and claim trends to set their rates.
If I use winter tires can I get a discount on my auto insurance?
Yes, there may be a discount on your auto insurance premium if you install winter tires on your vehicle during the winter months. This discount is aimed at promoting road safety during the winter season.
Are there any discounts available for auto insurance?
Yes, insurance companies offer various discounts that policyholders can take advantage of to reduce their premium costs. Common discounts include multi-vehicle discounts, bundling home and auto insurance, winter tire discounts, and discounts for drivers with a good driving record. Some insurance companies offer discounts for using your anti-theft device or vehicle recovery systems. And some insurance companies offer a telematics discount.
How can I lower my automobile insurance rates?
Increase your deductible for collision coverage and/or comprehensive coverage. Advise your insurance broker when you change how you use your vehicle. Advise your insurance broker when you change jobs as the distance you drive to work can impact your insurance cost. Regularly review your policy with your insurance broker to ensure you are getting the best value for your money.
Maximize available discounts by combining all your insurance needs for your household with one insurance broker.
Do you insure Uber drivers?
Yes we do, but there are some limitations.
Are my rates affected by where I live?
Yes, they are.
Is it true that the colour of your car makes a difference in what you pay for car insurance
No, the colour does not have an impact on the premiums you pay.