Do I need a broker for home insurance?

3 minute read Published on Aug 23, 2021 by BrokerLink Communications

Do I need a broker for home insurance?

A home is the biggest investment most people make in their life time. If you’ve been able to purchase a home, you may feel proud of yourself - it’s a great achievement. We hope you take some time to celebrate and after the celebration, we suggest you take time to protect the biggest investment you’ll ever make!

If you google “home insurance”, you might be overwhelmed with all the options that come up. One way to make your life easier is by using an insurance broker to help you find the right home insurance policy. A broker can show you multiple quotes instantly, save you time and money! Keep reading to learn more about the advantages of using an insurance broker to purchase home insurance.

A home insurance broker can get multiple quotes instantly

Picture this: you’re at your computer, comparing quotes from multiple insurance companies. You have so many tabs open your computer is starting to overheat. You can’t keep track of the different deductibles and premiums so you start a spreadsheet to keep track of everything. Does this sound like a fun way to spend your free time?

An insurance broker has tools to access multiple quotes instantly. All you have to do is answer a few questions and your broker will share all your options with you. You’ll be able to choose from multiple companies at different price points. You can even enjoy a glass of wine while you talk to your broker on the phone! An insurance broker can help you spend less time looking for home insurance and more time doing what you love.

A home insurance broker can save you money

Insurance brokers are licensed insurance experts. This means they know the right questions to ask to make sure you get the best price possible on your home insurance. There may be discounts or promotions you aren’t even aware of. An insurance broker will have the inside scoop on how to get you a great price.

An insurance broker will also help you get the right coverage. You should only pay for what you need and it can be hard to determine what that is on your own. A broker can help! You won’t pay any more or less than necessary. This also helps save you money in the long run. In the event of a claim, you’re more likely to have financial protection that can help avoid a costly out-of-pocket payment.

A home insurance broker works for you!

Not everyone understands the difference between an insurance broker and an agent. An agent works for an insurance company and can only sell products from that insurance company. A broker is independent. They don’t work for a specific company and can sell insurance for multiple companies.

This means a broker will give you unbiased advice on which policy makes the most sense for you. A broker can also help if your find yourself in a situation where you’re not sure if you should file a claim. You can call your broker and they’ll help you determine if it’s worth it to submit a claim to your insurance company.

Different types of home insurance

A broker can help you find the right home insurance and answer any questions you have. However, it doesn’t hurt to have a bit of knowledge about home insurance while you’re searching for the right policy. Here’s a quick explainer on the different types of home insurance:

Basic / standard

A basic or standard policy can cover things like fire and weather damage including damage from storms, lightning or hail. Basic policies vary depending on the insurance company, so make sure you talk to your broker to understand exactly what is and isn’t covered.


Broad coverage includes more than a basic policy. It can extend to things like theft, vandalism and burst pipes.


Comprehensive coverage offers the most coverage on your home. Many home owners choose this coverage for the peace of mind it offers. Just like any other policy, there may be certain exclusions. For example, if you rent your home out on Airbnb, you might not be covered. Talk to your broker to understand the exact coverage you purchase.

Get the right home insurance from BrokerLink

Your home must be protected. You’ll save yourself time, money and effort and enjoy peace of mind if you use an insurance broker to find home insurance. It’s easy to get in touch with us! You can do a home insurance quote online, give us a call, or visit one of our local branches.

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