Insurance Broker in Burlington

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On the hunt for a reliable and experienced insurance broker in Burlington? BrokerLink has got you covered. Our team has decades of experience helping Burlington customers find policies to meet their needs. From home and condo insurance to car and business insurance, keep reading to learn how BrokerLink Burlington can serve you.

Take advantage of BrokerLink Burlington’s innovative insurance solutions

BrokerLink is on a mission to make insurance more accessible to Canadians far and wide, and that includes Burlington residents. We strive to make finding great coverage easier than ever before. We are also dedicated to ensuring all insurance plans are within our customers’ budgets. Protecting your car, business, or home should never break the bank, and BrokerLink will make sure it doesn’t.

When you work with a licenced professional at BrokerLink Burlington, you can relax knowing that they will take care of everything. Brokers have expertise like no other. We will match you with a knowledgeable broker that knows the ins and outs of whatever type of insurance you’re looking for, whether that be Burlington boat insurance, Burlington tenant insurance, or even Burlington motorcycle insurance. Whatever your insurance needs, we promise to not only meet them but exceed them.

Do not hesitate to give us a call if you have questions about the process of working with an insurance broker. You can also contact us to begin your insurance experience right away. One of our insurance experts will get straight to work, shopping around so that they can find a great insurance plan for you as soon as possible.

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The benefits of seeking help from Burlington insurance brokers

To understand the benefits of working with a Burlington insurance broker, it’s important that we make a clear distinction between insurance brokers and insurance agents. Many people are under the false impression that insurance brokers and agents are one and the same, but this couldn't be further from the truth. While they are both professionals working in the insurance industry, brokers represent their customers and work for brokerages, whereas insurance agents represent and work for a single insurance company. This is a huge difference. Knowing this can help Burlington customers realize just how advantageous it can be to work with a broker rather than an agent. We outline the perks of with a Burlington insurance broker below:

  • Burlington customers get help from an insurance expert who is knowledgeable on a wide range of insurance products. Brokers are familiar with the insurance offerings from insurers across Canada, not solely the products offered by a single insurance company.
  • Burlington customers will be able to access a broad range of information all in one place. Brokers can provide insurance quotes, reach out to insurance companies on your behalf, explain your coverage options, offer expert advice, give you tips on how to save money on your insurance plan, and even help guide you through the process of filing a claim or switching policies at renewal time.

Discover even more advantages of working with Burlington insurance brokers by reaching out to BrokerLink Burlington today.

A list of BrokerLink Burlington’s insurance specialties

When you look for an insurance broker, you want to know that the one you find has insurance expertise. That’s what BrokerLink Burlington offers. We offer a wide range of services encompassing multiple types of insurance to better serve our clients. Some of our top insurance specialties are commercial insurance, homeowner’s insurance, and auto insurance, which we describe in more detail below:

Commercial insurance

Running a business is no easy task. Between overseeing your employees, your finances, and the general growth of your business, you are far too busy to be scouring the internet for insurance quotes or trying to teach yourself complicated industry jargon. Thankfully, there’s a solution, and that solution is BrokerLink. BrokerLink Burlington was founded to help business owners just like you find commercial insurance with ease. When you get in touch, we will assign a licenced broker with business insurance experience to you. Your BrokerLink insurance advisor will steadfastly represent you and your business in your quest to find comprehensive coverage. They will listen to the risks that are unique to your specific business, as well as the general industry of your business. From there, they will research which insurance providers offer the best policies at the best prices. Ultimately, we are here to help you navigate the complicated world of Burlington business insurance.

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House insurance

What comes to mind when you think of Burlington home insurance? To us, we think of one word: protection. Your home deserves to be protected from risk, and BrokerLink Burlington understands this. We can help you safeguard your most valuable possession from risks like third party lawsuits, property damage, theft, and much more. We find a policy that features the coverage you need (including protection from perils that are most likely to occur in Burlington). Please note that the homeowner’s insurance experts at BrokerLink Burlington can help you find coverage no matter what type of home you live in, whether it’s a townhouse, condo, apartment, vacation home, or even a rental property. We will tailor your property insurance coverage according to your needs.

Get a home insurance quote

Car insurance

There’s no denying that finding Burlington car insurance at a reasonable rate can be difficult. Since Ontario insurance rates are among the highest in Canada, getting a Burlington auto insurance plan on the cheap might feel impossible. But BrokerLink is here to make the impossible possible by uncovering discounts and comparing coverage to find you an affordable policy that still meets your needs and complies with local laws. We have matched drivers of all ages and circumstances to find car insurance that is right for them. So give us a call or visit one of our Ontario branches and learn more about our flexible, customized, and reasonably priced auto insurance solutions available to Burlington drivers.

Get an auto insurance quote

Additional insurance for our Burlington customers

BrokerLink’s insurance offerings don’t stop at house, car, and commercial insurance. From Burlington condo insurance to ATV and snowmobile insurance, learn more about your insurance coverage options below:

  • Associations
  • ATV and Snowmobile Insurance
  • Farm Insurance
  • Cyber Insurance
  • Storage Unit Insurance
  • Employee Benefits
  • Life Insurance Broker
  • Landlord Insurance
  • Musical Instrument Insurance
  • Wine Cellar Insurance
  • Equine Insurance
  • Group Insurance
  • Travel and Trip Cancellation Insurance
  • Trailer and RV Insurance
  • Motorcycle Insurance
  • Identify Theft Insurance
  • Boat Insurance
  • Condo Insurance
  • Vacation Property and Cottage Insurance
  • Tenant and Renters Insurance

Understanding mandatory insurance in Burlington

Not all types of insurance are mandatory in Burlington, but some are. Knowing which types of insurance are required is important. Otherwise, you could unknowingly break the law or be in breach of a legal contract, like a mortgage loan or lease agreement. To help our Burlington customers get their heads around mandatory insurance in the province, the experts at BrokerLink delve into the topic of Ontario insurance requirements below:

Compulsory property insurance in Burlington

Let’s kick things off by discussing mandatory property insurance. Home insurance is required on a situational basis. This means that not all Burlington tenants and homeowners are required to purchase a home insurance plan, but some are. The main reason that a Burlington homeowner might need to buy insurance is if they bought their home with a mortgage. Mortgage agreements often stipulate that the borrower must have adequate home insurance to be approved for the loan. In short, if you need to take out a mortgage to finance your home purchase, then chances are home insurance is required of you. In contrast, if you buy a home with cash, there is unlikely to be such a requirement.

Before we move on to compulsory car insurance in Burlington, we’re going to say a quick word on tenant insurance. Burlington tenants may need to purchase renter’s insurance if their landlord requires it. Otherwise, they could be in breach of their lease. It is important to read your lease agreement carefully to find out if tenant insurance is required, and if so, how much coverage is required (as some leases in Ontario specify an amount).

Compulsory car insurance in Burlington

Understanding compulsory car insurance in Burlington is a bit easier than understanding home insurance. Why? Since it is a legal requirement. Car insurance is mandated by the government of Ontario, which means you must purchase it if you drive in the province. It’s as simple as that. If you choose to drive without insurance, you are breaking the law, and you could be penalized in more ways than one. The potential consequences of driving uninsured include a minimum $5,000 fine along with the temporary suspension of your driver’s licence (and you won’t be able to drive again until the suspension has been lifted). When you consider that Burlington car insurance typically falls somewhere between $1,200 and $2,000 per year (i.e. far less than the minimum fine for uninsured driving), it is clear that purchasing car insurance is the smartest option.

If you are new to car insurance or need help choosing a new policy now that yours is almost up for renewal, contact BrokerLink Burlington. We can help you find an auto insurance plan that is both legal in Ontario and has the coverage you require.

Compulsory business insurance in Burlington

Last but not least, let’s dive into the topic of compulsory business insurance in Burlington. Whether or not business insurance is required is not as black and white as car insurance. For some businesses and professions it might be required (e.g. attorneys or medical professionals might be required to purchase a certain amount of professional liability coverage), but for others it isn’t. That said, business insurance is very common, so it might be difficult to find a business in Burlington without it. This is because, even if it’s not required, it offers such value to companies that they usually buy it anyway. This value includes the financial protection it offers, along with making your business look more professional and reputable. Don’t hesitate to call a Brokerlink Burlington insurance advisor to discuss your commercial coverage options.

What factors typically influence home, auto, and business insurance premiums in Burlington?

Many of our Burlington customers are curious to know how insurance premiums are calculated. The reality is that formulas vary between insurance providers. Therefore, it is difficult to know exactly how they are determined. That said, insurers in Canada tend to consider a similar set of factors when providing quotes. We offer a general overview of these factors below:

Burlington home insurance factors

  • Your claims history
  • The location of your home (including your neighbourhood and exact address)
  • Your home’s worth
  • The square footage of your home
  • The number of people who reside in your home
  • The age of your property’s roof
  • The age and condition of your property’s electrical system
  • The age and condition of your property’s plumbing system
  • The policy deductibles, limits, and coverages you wish to include with your home insurance plan

Burlington car insurance factors

  • Where you live (and where you work if you drive your vehicle to work)
  • Your age
  • Your driving record
  • Your driving experience
  • Your gender
  • Your insurance claims history
  • Your annual mileage
  • The type of car you own
  • Your past insurance records
  • The deductibles, policy limits, and coverage types featured in your policy
  • The local laws around insurance requirements in Ontario
  • How often you drive your car
  • Whether you use your car for business use, personal use, or both
  • Your marital status

Burlington business insurance factors

  • Where your business is located
  • The size of your business
  • The number of people that work at your business (e.g. the number of employees)
  • The annual and projected revenue of your business
  • Your years of experience working in the industry of your business
  • Your insurance claims history
  • The deductibles, coverage, and limits you want to be added to your plan

Competitive and affordable insurance is a click away thanks to BrokerLink Burlington

Save money on Burlington insurance by following BrokerLink’s top money-saving tips below. We start with some tips for cutting costs on any type of insurance and end with some specific ways of paying less for Burlington auto, house, and commercial insurance policies:

1. Seek the help of a Burlington insurance broker

Get the most out of your Burlington insurance plan by purchasing it through an insurance broker instead of an insurance agent. Insurance brokers work for you and will dedicate themselves to finding the coverage you need at a low rate. Having someone in your corner who knows the insurance industry like no other and can uncover discounts on your behalf is invaluable.

2. Review your coverage annually and update it as needed

Don’t get complacent. Instead, proactively review your insurance policy each year, before it is up for renewal, and carefully consider whether your current coverage is still working for you. In many cases, policyholders discover that the coverage they once needed is no longer necessary. For example, if they initially added comprehensive coverage to their Burlington car insurance plan, they might realize that after several years, their car is no longer worth what it once was, and therefore this type of coverage doesn’t make sense. Regularly reviewing your policy can help Burlington policyholders realize where they might be able to cut corners. Remember, the more coverage you buy (and the higher your coverage limits), the more expensive your policy is likely to be. If you want an expert eye to review your policy for you, contact BrokerLink Burlington.

3. Combine insurance policies and save up to 15%

Combining more than one insurance product at a time might garner you a major discount. Insurance companies love when customers buy multiple products from them, so if you are planning on buying multiple insurance policies in the near future, wait and buy them together and you could save up to 15%.

4. Increase your policy deductible

Agreeing to raise your policy deductible is a quick way to cut Burlington insurance costs. No matter what type of policy you’re looking for, if you agree to take on more financial responsibility, you will likely be rewarded with a cheaper insurance rate.

5. Pay for your insurance policy premiums yearly

Generally speaking, the fewer installments you pay for your policy in, the cheaper it will be. This is because some insurers charge extra fees, sometimes referred to as transaction or administrative fees, for payments. Thus, if you pay for your policy in one annual installment, you won’t end up paying as much money in transaction fees.

How to get cheap insurance in Burlington

BrokerLink team has put together a list of tips for saving money on home, auto, and commercial insurance plans in Ontario:

Expert tips to save money on Burlington auto insurance

  • Drive an environmentally friendly car, like a hybrid or electric car
  • Attend a recognized driving school in Burlington
  • Reduce the risk of your car being stolen by installing an anti-theft device in it
  • Install snow tires on your car during the winter months
  • Maintain a clean driving record by always obeying the speed limit and driving safely

Expert tips to save money on Burlington house insurance

  • Add a home security system with an alarm and cameras to your property
  • Avoid taking out a mortgage loan to buy your house or aim to pay off your mortgage as quickly as possible
  • Do not buy a house with major liability risks, like pools
  • Purchase a home situated near a fire station or fire hydrant

Expert tips to save money on Burlington commercial business insurance

  • Increase safety in the workplace
  • Analyze your company’s unique risks and purchase coverage that mitigates these risks

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting our neighbours!

Local Ontario Insurance Links

If you’re a member of a group or association, you may be eligible for more discounts.

Contact us

At Burlington BrokerLink, 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 Ontario. 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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FAQs on Burlington insurance

Is it worth buying insurance through a Burlington insurance broker?

The answer to this question depends on the person. However, generally speaking, many Burlington residents find it worthwhile to buy insurance through a broker. Doing so has many perks, such as making the entire insurance experience faster, simpler, and far more convenient.

Can I buy a Burlington insurance plan over the phone?

Yes, Burlington customers can purchase insurance plans over the phone. You can call an insurance broker, provide some information about yourself and the type of insurance you need, and they can match you with a policy. Alternatively, if you would prefer to buy insurance in person or online, you can do so by visiting an insurance broker’s office or website, respectively.

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