We bet you never thought finding an insurance broker could be this easy. With BrokerLink, you have a licenced, trusted insurance professional at your fingertips every step of the way. We can help you navigate everything from purchasing a new insurance policy to renewing an existing one or even filing a claim. Learn more about what a Miramichi insurance broker can do for you below.
Miramichi insurance coverage tailored to your needs
BrokerLink is dedicated to finding tailor-made insurance coverage for each and every Miramichi customer. We know that personalized insurance is always better than a one-size-fits-all approach. Therefore, when you enlist our help, you can rest assured that we will work to find coverage that suits your unique needs, not to mention your budget. A few of the main types of insurance that we can help you find include business insurance, home insurance, and car insurance. Continue reading to learn more about each of these insurance services:
Business insurance
Commercial insurance is the first of many insurance specialties here at BrokerLink. We understand the risks that Miramichi businesses face, and we want to help safeguard you against them. The last thing any business needs is a lawsuit or incident of property damage that ends in bankruptcy. Thankfully, business insurance helps you avoid this unfortunate outcome, as with the right coverage, your insurer will step in and cover the costs of an unforeseen event. The types of business insurance coverage BrokerLink can help you find are varied. From liability coverage like professional liability, general liability, employment liability, or cyber liability, to other coverages like commercial property insurance, crime insurance, and umbrella insurance, we promise to find your business a policy that is as comprehensive as can be. All BrokerLink commercial insurance coverage is tailor-made to meet the needs of your Miramichi business. We have helped businesses that are small, medium, and large in size find excellent coverage. But don’t just take our word for it, get in touch today for a complete rundown of our commercial insurance services.
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Home insurance
Home insurance may not be government mandated in New Brunswick, but that doesn’t mean Miramichi homeowners don’t choose to take advantage of it. Whether you recently purchased your first-ever home or are planning a move, property insurance is important. Home insurance in New Brunswick often includes coverage like dwelling, personal liability, and contents coverage. However, it may also include additional coverage such as overland water, sewer backup, equipment breakdown, home-based business insurance, and more. Depending on the type of home you are ensuring, a BrokerLink home insurance specialist can recommend the best type of overage for your needs. For instance, if your goal is protecting a vacation rental property, we will ensure you have adequate property insurance coverage both when the property is vacant and when guests are staying there. Contact BrokerLink today to discover all there is to know about our Miramichi house insurance solutions.
Get a home insurance quote
Auto insurance
Car insurance is crucial for all drivers in Miramichi, but just because it’s mandatory doesn’t mean that finding the right coverage is easy. BrokerLink aims to make this experience as seamless as possible by explaining the minimum coverage requirements in New Brunswick, breaking down your coverage options, and unlocking discounts to help you save money. For example, we will explain third party liability insurance, accident benefits insurance, and more. We will also outline how the various types of optional insurance can protect you, like accident forgiveness or comprehensive coverage. Then, we will be happy to shop around and compare rates on your behalf while also inquiring about the different auto insurance discounts that may be available to you, such as safe driver discounts, telematics discounts, winter tire discounts, and more. For a complete list of BrokerLink Miramichi’s car insurance offerings, get in touch today.
Get an auto insurance quote
Even more insurance solutions in Miramichi, New Brunswick
Other insurance solutions that the BrokerLink Miramichi team can help you find include but are not limited to:
- Boat Insurance
- Condo Insurance
- Vacation Property and Cottage Insurance
- Tenant and Renters Insurance
- Life Insurance Broker
- Landlord Insurance
- Musical Instrument Insurance
- Wine Cellar Insurance
- Umbrella Liability Insurance
- Equine Insurance
- Pet Insurance
- Group Insurance
- Associations
- ATV and Snowmobile Insurance
- Farm Insurance
- Cyber Insurance
- Storage Unit Insurance
- Tractor Insurance
- Employee Benefits
- Travel and Trip Cancellation Insurance
- Trailer and RV Insurance
- Motorcycle Insurance
- Identify Theft Insurance
If you want to find coverage related to a type of insurance not mentioned above, contact BrokerLink Miramichi. As a full-service brokerage, we are confident that we can help you find the coverage you’re looking for.
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Start saving on Miramichi insurance today
Find Miramichi insurance no matter your budget with these money-saving tips. Here at BrokerLink, we aim to make insurance accessible and affordable. We do this by comparing policies to ensure you're always getting the most competitive price for your coverage. We also do this by offering our customers fool-proof ways of saving money on car, home, and business insurance. Keep reading to discover some of our expert-approved tips for saving money on insurance:
- Bundle two or more insurance policies together, like car insurance + home insurance or home insurance + commercial insurance, and an insurer may reward you with 15% to 20% off per policy.
- Select a higher deductible rather than a lower one to reduce your Miramichi insurance premium.
- Choose a payment plan that does not come with any hidden fees. Yearly payment plans are often simpler and can help you avoid the transaction fees that may come with monthly payments.
- Speak with a Miramichi insurance broker before renewing your insurance policy. A broker can assess whether your current coverage is still working for you or if it’s worth updating it in certain ways. If your goal is to save money, a broker can specifically recommend ways of adjusting your coverage, limits, and deductibles that will lower your premium.
- Qualify for a car insurance discount by driving a hybrid or electric car versus a gas-powered car.
- Sign up for a recognized driving school in the province of New Brunswick. Upon completion of the course, you could save money on car insurance.
- Ask a broker about security system discounts, which could bring down the cost of your home, car, or business insurance plan. Please note that you may need to purchase a specified type of alarm or anti-theft system to qualify.
- Install winter tires on your New Brunswick vehicle and you could save money on car insurance through the snow tire discount.
- Keep your driving record as clean as possible by driving safely and responsibly and you could qualify for a safe driver car insurance discount.
- If you are a safe driver, ask an insurance professional about the savings that may come with installing a telematics device in your vehicle or downloading a similar application on your smartphone.
- Avoid flooding in the form of a sewer backup by installing a sewer backup detection device in your home. This could result in cheaper property insurance rates.
- Avoid buying a property with additional liabilities, like a swimming pool or an old plumbing, electrical, or heating system.
- Purchase a property that is located close to a fire station or fire hydrant to minimize home insurance costs in Miramichi.
- Buy a home with cash or pay off your mortgage loan as quickly as possible to become eligible for a mortgage-free property insurance discount.
- Implement a risk management strategy at your business that minimizes the odds of an incident and therefore the number of insurance claims you file to save money on commercial insurance.
- Speak with a BrokerLink insurance advisor in Miramichi to learn more about all the ways you can save money on insurance.
Find insurance in Miramichi with BrokerLink
If you want to find the best possible insurance policy for your needs, look no further than BrokerLink. BrokerLink has local insurance brokers in Miramichi who can help you find customized coverage. No matter what type of insurance you’re looking for, all you have to do is follow the three steps below and we guarantee you will walk away protected and happy:
1. Contact BrokerLink Miramichi
First, contact your local BrokerLink insurance office in Miramichi, New Brunswick. An insurance broker in Miramichi will be pleased to get things started by asking you a few basic questions about your insurance needs and providing you with a free quote so you have an idea of how much insurance will cost you.
2. Discuss your needs and budget with a BrokerLink insurance broker
Second, be upfront with your BrokerLink insurance broker about the type of insurance you’re looking for and how much money you are willing to spend. Take the time to explain any unique circumstances about yourself. For an accurate quote, we also recommend providing as much detail as possible. Once the discussion is over, your BrokerLink insurance advisor will begin shopping for insurance on your behalf.
3. Choose your preferred insurance coverage and buy it
Third, a BrokerLink insurance broker will present you with their findings. From there, you can carefully review each policy and consider which one best meets your needs. At this stage, your advisor will answer any questions you have about each of the policies and explain your coverage options. Once you’ve decided which one is right for you, they will help you take the final step of purchasing your policy, and you get to walk away covered.
We’re in your community
BrokerLink prioritizes the community above all else. We have made an effort to become part of the community in Miramichi by giving back and participating in local charitable endeavours. We have also become part of the Miramichi community by providing residents with top-notch insurance services. Contact us today to learn more about what we can do for you.
Local New Brunswick Insurance Links
If you’re a member of a group or association, you may be eligible for more discounts.
Contact us
At Miramichi BrokerLink located on King George Highway, 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 New Brunswick. 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.
Miramichi insurance FAQs
How does an insurance broker differ from an insurance agent?
Insurance brokers and insurance agents are not one and the same, though they can both help a customer purchase insurance. An insurance agent works for a specific insurance company and sells the insurance products sold by that company. Meanwhile, an insurance broker works at a brokerage and acts as a middleman between the customer and the insurance company. A broker is designed to help customers shop for insurance and finalize their policies. Brokers have a wide range of knowledge about the insurance products offered at many insurance companies in Canada, not just one. This makes them a great asset when shopping for insurance because they can compare different products and help you find the one that suits your needs.
What is the best way to purchase insurance from a broker?
There is no “best” way to purchase insurance from a broker. Brokers give customers multiple options and they can choose their favourite. For example, most brokers allow customers to purchase insurance online, over the phone, or in person. Customers can even use a combination of these methods, obtaining a free insurance quote online and then giving their local a call to finalize their coverage. No matter which method you choose, purchasing insurance from a broker is safe, secure, and convenient.
How do I know what insurance coverage to buy?
The insurance coverage that you should buy depends on your needs and budget, as well as any local laws or contractual obligations in place. For example, if you are a driver, you will need to purchase a car insurance policy that complies with New Brunswick law. Meanwhile, if you are a tenant or homeowner, you may need to purchase a policy that complies with the conditions laid out in your lease agreement or mortgage loan agreement, respectively. On top of this, the right insurance coverage for you is the coverage that provides you with peace of mind and that doesn’t break the bank. An insurance broker can help you determine what kinds of coverage are worthwhile for your situation, as well as what types of coverage you can reasonably afford given your budget. They can also give you tips on how to save money on insurance to find you the best possible coverage at the most affordable rate.
Can an insurance broker help me renew insurance?
Yes, an insurance broker can help with all kinds of insurance-related tasks, like purchasing an insurance policy, updating an existing policy, or renewing insurance. If you wish to renew your current insurance policy, get in touch with a Miramichi insurance broker. A broker can help you navigate the process of renewing your coverage while making expert recommendations on ways that it might be beneficial to update your coverage. For instance, a broker can suggest that you raise your deductible, reduce or increase your coverage limits, and adjust your coverage types. Depending on how you update your policy, you could even end up saving money. Of course, if you are unhappy with your existing policy, an insurance broker can also shop around on your behalf to find a new plan that better meets your needs and budget.
Should I buy insurance in Miramichi?
Insurance is important to protect Miramichi residents from risk. Whether you are interested in buying home insurance, car insurance, or even pet insurance, the purpose is the same: to protect you from the financial ramifications of an accident. In the case of car insurance, you can be protected in the event that you get into a collision and your car is damaged. With home insurance, you can receive compensation if your home is damaged or broken into. With pet insurance, the right policy will cover you if your pet falls ill or gets injured and requires medical attention. At the end of the day, the decision of whether to purchase insurance is yours (with the exception of car insurance, which is mandatory for all drivers). That said, many Miramichi residents choose to buy coverage for their houses, businesses, and pets owing to the peace of mind it provides.
What are the best ways to save money on Miramichi insurance?
Insurance experts recommend the practice of bundling insurance policies if you want to save money on insurance. Not all insurers offer this, but if they do, you could save between 15% and 20% per policy. Other ways to save money on insurance include increasing your deductible, paying for your policy annually rather than monthly, and reviewing your coverage annually before it renews. For information on insurance discounts, including car insurance discounts, home insurance discounts, and commercial insurance discounts, contact your local broker.
Can I get a free insurance quote from a Miramichi insurance broker?
Yes, insurance brokers are pleased to offer free insurance quotes to Miramichi customers. These include auto insurance quotes, home insurance quotes, business insurance quotes, and even pet insurance quotes. There are many ways to request a free quote. You can do so online via an insurance broker’s website, over the phone, or in person at an insurance broker’s office. To receive a free quote, be prepared to provide some basic information about yourself and the type of insurance coverage you are looking for. Please note that requesting an insurance quote from a broker does not make you obligated to purchase insurance from that broker.
Do I need auto insurance in Miramichi?
Yes, all drivers in Miramichi, New Brunswick are required to hold a valid car insurance policy. Failure to obtain car insurance before driving can result in driver’s licence suspensions, jail time, and major fines if caught. These fines can be anywhere between $200 and $5,000. Contact an insurance broker for more information on mandatory car insurance in New Brunswick. A broker can inform you about which types of car insurance coverage are compulsory, as well as recommend coverage limits and deductibles. Please note that in New Brunswick, all drivers must have policies that consist of third party liability coverage, uninsured automobile coverage, direct compensation - property damage coverage, and accident benefits coverage.
If you have any questions, contact one of our local branches.
