Insurance Broker in Quispamsis

Are you looking for a licenced insurance broker to help you find insurance in Quispamsis, New Brunswick? BrokerLink is here. We are the go-to insurance brokerage in Canada for a reason. Whether you need help finding business insurance, car insurance, property insurance, or pet insurance, a BrokerLink insurance advisor local to Quispamsis can help.

Quality insurance services in Quispamsis, NB

BrokerLink is pleased to offer a wide array of insurance services to our Quispamsis customers. We understand that no two policyholders are the same, and therefore no two insurance policies should be the same. Tailor-made insurance coverage is what we strive for. Get in touch, let us know what kind of coverage you’re after, and we’ll get to work. A brief breakdown of our three insurance specialties can be found below:

Business insurance

Business insurance is not one-size-fits-all because there are so many types of businesses in Quispamsis. The insurance needs of a small retail shop with ten employees are not the same as that of a national corporation. BrokerLink understands this. In fact, when you contact us, your dedicated commercial insurance specialist will take some time to understand the scope and industry of your business. Once they know what kind of coverage best suits your business's needs, they will start researching and comparing policies. The coverage your BrokerLink insurance advisor eventually recommends will be based on the unique risks that your Quispamsis business faces. Examples of coverage that a BrokerLink specialist can help you find include cyber insurance, employment liability insurance, umbrella insurance, crime insurance, commercial property insurance, professional liability insurance, commercial general liability insurance, etc. A BrokerLink insurance broker can also help you with insuring business vehicles. Commercial auto insurance is the only type of business insurance that is required if your company uses cars for business purposes.

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Homeowner insurance

Home insurance, also known as property insurance or homeowner insurance, is another one of BrokerLink’s specialties. Whether you own a home in Quispamsis or rent one, you need home insurance, and BrokerLink wants to help you find it. BrokerLink has years of experience helping customers find the right coverage for them and their families. We can recommend all kinds of coverage, like dwelling, personal property, personal liability, equipment breakdown, sewer backup, overland water, other structures coverage, and more. A BrokerLink insurance advisor can also give you tips on how to protect your home from water damage, keep it safe when you are away on holiday, or save money on home insurance. Put our home insurance resources and expertise to good use by contacting BrokerLink Quispamsis today.

Get a home insurance quote

Auto insurance

Auto insurance is one of the most popular insurance services we offer to Quispamsis residents. Since car insurance is mandatory through New Brunswick, all motorists need to purchase coverage if they want to drive. The BrokerLink Quispamsis team can help you purchase coverage, update a policy, or even help you deal with expired car insurance renewal. We can also explain how mandatory coverage works in New Brunswick, including the consequences of driving without insurance. In addition, a BrokerLink car insurance specialist would be happy to outline the various types of compulsory and optional auto insurance coverages available to you, like comprehensive or collision coverage, and give you advice on how to save money on Quispamsis car insurance. For example, a BrokerLink insurance advisor can give you a rundown of the many types of car insurance discounts out there, like winter tire discounts, electric car discounts, safe driver discounts, telematics discounts, etc. For all things Quispamsis car insurance, you can count on BrokerLink.

Get an auto insurance quote

Insurance brokers Quispamsis can also help you find the following coverage

Equine insurance, condo insurance, farm insurance, and more - the BrokerLink team is pleased to assist Quispamsis customers with the following types of insurance as well:

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 are after a type of insurance coverage not listed above, give BrokerLink a call. We bet that we can still find a policy that meets your needs.

Tips for cutting costs on Quispamsis insurance

Did you know that there are several ways that you can save money on insurance in Quispamsis? It’s true, and BrokerLink wants to help. That is why the BrokerLink Quispamsis team has put together the following list of tips for cutting costs on insurance. From bundling insurance policies to installing a telematics device in your car, check out this list of broker-approved tips that can help you save money on New Brunswick insurance:

Bundle your insurance policies

Bundle two or more insurance products together and an insurance company may reward you with a discount of 15% or 20% off each policy. Note that many insurers allow bundles to consist of the same or different types of policies, e.g. two auto insurance policies or one auto insurance policy and one home insurance policy.

Increase your policy's deductible

Choose a higher deductible for your policy or consider raising your deductible before your policy renews. Learn more about how premiums and deductibles affect one another by contacting BrokerLink.

Pay for your policy annually

Ask an insurance provider about the available payment plan options and the fees that come with each before choosing one. Some insurers charge administrative fees for each payment made, which could make a monthly payment schedule more expensive.

Reassess your policy before renewing

Reassess your coverage needs every year before your policy expires. This gives you time to adjust your policy if needed. Depending on how you adjust your policy, you could end up saving money, such as if you reduce your coverage limits, increase your deductible, or remove extra coverage that is no longer serving you.

Purchase a hybrid or electric vehicle

When shopping for a new car, consider a hybrid or electric model if you want to save money on car insurance. Driving an eco-friendly car could earn you up to 5% off your auto insurance policy.

Graduate from a defensive or young driver's course

Enroll in a defensive driving course or a young driver’s course approved by the province of New Brunswick, and you could qualify for a discount car insurance rate.

Install a security system

Enquire about security system discounts for home and business insurance and anti-theft device discounts for car insurance.

Install snow tires

Outfit your vehicle with snow tires and leave them on during the winter months to become eligible for a car insurance discount.

Maintain a good driving record

Maintaining a driving record free from infractions like traffic tickets, DUIs, and accidents and you could qualify for a safe driver car insurance discount.

Install a telematics device or application

Enjoy a telematics discount by adopting safe driving habits and installing a telematics device in your car or downloading a similar app on your mobile phone.

Install a sewer backup device

Avoid a sewer backup disaster and save money on property insurance by installing a sewer backup detection device in your home that can mitigate the water damage from a backup.

Review prospective home features

Ask a broker about the house-related factors that can drive property insurance premiums up, like swimming pools and old or outdated electrical, heating, and plumbing systems.

Live close to emergency services

Buy a home that is close to a fire station or fire hydrant to save money on Quispamsis home insurance.

Go mortgage-free

The faster you become mortgage-free after buying a home in Quispamsis, the faster you may qualify for a mortgage-free home insurance discount.

Implement a rise management plan for your business

Adopt a risk management plan for your business that reduces your risk and helps keep commercial insurance premiums low.

Talk to a broker

Contact a BrokerLink insurance advisor and ask them directly about the different insurance discounts out there. They can inform you of all kinds of insurance discounts, including employment and education-based discounts.

Find Quispamsis insurance in three simple steps

We want to help you find insurance with ease. When you consult with BrokerLink, you can receive the insurance coverage you want in three simple steps. From getting in touch to discussing your insurance needs, and finally, walking away with great coverage, buying insurance through a Quispamsis insurance broker couldn’t be more seamless:

1. Get in touch with BrokerLink Quispamsis by phone, email, or in person

Start your insurance journey with BrokerLink by contacting us. Contacting us is easy because there are several ways to do so, and you can choose the one that works best for you. We are available online via our website, over the phone, or in person at any one of the 200+ BrokerLink locations in Canada.

2. Tell us what you’re looking for and let your broker shop around

Step two involves a brief discussion between you and your insurance broker. Your broker will take a few minutes to better understand your insurance needs, asking you questions about the type of insurance you’re looking for and your ideal budget. Once they have a handle on your insurance needs, they will start reaching out to insurance providers and comparing different insurance products to find the best one for you.

3. Purchase Quispamsis insurance coverage and walk away protected

The goal when purchasing insurance is to walk away with protection. BrokerLink will ensure this happens by presenting you with several quality insurance policies to choose from. They will explain the coverage that comes with each, make suggestions for coverage limits and deductibles, and answer your questions. From there, you can make an informed decision on which policy to purchase. The final step is when your broker will help you bind and finalize your coverage. The next thing you know, you will walk away, covered and protected.

We’re in your community

BrokerLink is all about community. In fact, community is one of the core values we were founded on. We make an effort to become part of every community we serve, and that includes Quispamsis. Learn more about our community involvement by getting in touch today.

Contact us

At Quispamsis BrokerLink located on Hampton Road, 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.

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Quispamsis insurance FAQs

How can I buy insurance in Quispamsis?

There are many ways to purchase insurance in Quispamsis. Nowadays, insurance coverage can be purchased online via an insurance broker or company’s website, as well as over the phone and in person. You can even utilize a mix of methods. For instance, you can obtain a free insurance quote online and then finalize your coverage over the phone.

What is the safest way to purchase insurance?

There is no one way that is safest to purchase insurance. Both insurance brokers and insurance agents are licenced professionals, making both options safe and secure. In addition, buying insurance online, on the phone, or in person are all safe options today, so you can decide which one works best for you.

What are the benefits of purchasing insurance through a Quispamsis insurance broker?

The benefits of working with a broker include the expertise and resources they offer. Insurance brokers in Canada are licenced and have knowledge about a wide variety of insurance products. This allows them to find one that suits your unique needs. Plus, insurance brokers work for insurance brokerages, not insurance companies, which means they can make the customer’s needs their top priority. If you want an insurance professional who will put your needs front and centre, look no further than an insurance broker.

Lastly, insurance brokers take care of everything. They will help you every step of the way, from giving you a complimentary insurance quote to explaining how coverage works and helping you purchase a policy. They can even help you after your policy has been purchased with tasks like renewing or updating coverage or filing a claim with your insurance provider.

Can insurance brokers Quispamsis help me renew an insurance policy?

Yes, insurance brokers in Quispamsis can help you renew your insurance policy. In fact, they can walk you through each step in the process of renewing insurance and will ensure you renew it before it expires. They can also help with other insurance tasks, like updating coverage if you decide your current policy is no longer working for you, filing a claim with your insurance company, or purchasing a brand-new policy. Another service insurance brokers offer is reviewing your existing coverage and giving you advice on how it could be adjusted to better suit your needs.

After all, circumstances change and the insurance coverage that made the most sense for you last year might not make the most sense for you this year. A broker can offer an expert opinion on whether it’s better to renew your existing coverage, update your policy before renewing, or find a new policy with a different insurance provider altogether.

Is home insurance mandatory in Quispamsis?

Home insurance is not mandated by the government in New Brunswick, or anywhere in Canada for that matter. But that doesn’t mean it isn’t mandatory in certain circumstances. Other entities, such as mortgage lenders, landlords, or banks have the right to require home insurance. Therefore, depending on the terms of your mortgage or lease contract, you may be obligated to purchase home insurance. If you aren’t sure whether you are required to purchase home insurance according to your mortgage loan agreement or lease agreement, contact an insurance broker who can review the terms of your contract. In many cases, mortgage lenders and landlords will make home insurance conditional since it protects them and their interests.

How can I cut costs on Quispamsis insurance?

Cutting costs on Quispamsis insurance is easier than you might think. Brokers have all kinds of tricks up their sleeves that can help customers save money on all kinds of Quispamsis insurance, including property insurance, auto insurance, business insurance, and more. For example, to save money on auto insurance, a broker might recommend driving a hybrid or electric vehicle, installing a telematics device in your car, equipping your vehicle with an anti-theft device, or swapping summer tires for snow tires during the winter months.

Meanwhile, if you want to save money on home insurance, a broker might recommend that you install a monitored alarm system on your property, avoid buying a house with a pool, or purchase a home that is located by a fire station or fire hydrant. A broker can also provide general money-saving insurance tips like bundling insurance policies, raising policy deductibles, or choosing an annual payment schedule over a monthly one.

Is car insurance mandatory in Quispamsis?

Car insurance is required everywhere in New Brunswick, whether you live in Quispamsis or Moncton. Therefore, if you plan to drive in Quispamsis, you will need to purchase auto insurance coverage that complies with the province’s minimum coverage requirements. In New Brunswick, that means that you must have a policy that features the following four coverage types: third party liability coverage, uninsured automobile coverage, direct compensation - property damage coverage, and accident benefits coverage.

If you decide to drive without insurance, you would be breaking the law and if caught, you would be punished accordingly. The punishment for driving without car insurance in New Brunswick is a fine between $200 and $5,000, jail time, and the suspension of your driver’s licence. Please note that punishments typically get worse for second or subsequent offences. Given these risks, we recommend purchasing a valid insurance policy from the get-go and renewing it or buying a new policy before it expires, year after year.

If you have any questions, contact one of our local branches.