Insurance Broker in Fort Erie

Extended calling hours

BrokerLink insurance brokers know the ins and outs of the Fort Erie insurance industry. So whether you’re looking for business insurance in Fort Erie, home insurance in Fort Erie, or another type of insurance entirely, let us guide you, and we promise to find you a great policy.

Find the coverage you’re looking for with help from a Fort Erie insurance broker

A Fort Erie insurance broker at BrokerLink can help you find any type of insurance you desire. Business insurance, home insurance, and Fort Erie car insurance are a few of our most popular services, which you can learn more about below:

Fort Erie car insurance

Fort Erie car insurance is a legal requirement for any driver in Ontario. When you enlist the help of a BrokerLink insurance advisor, you can relax knowing that you’re in good hands. Your dedicated car insurance specialist will make sure that whatever policy you choose complies with provincial law in Ontario and also provides adequate protection against the risks that you face. Beyond car insurance, a BrokerLink insurance advisor can also help you find motorcycle insurance in Fort Erie. Whatever type of motor vehicle you are looking to insure, a BrokerLink advisor will research and compare policies and unlock discounts to find you the best possible rate. For example, your broker can let you in on common money-saving tips for car insurance, like the anti-theft device discount, telematics discount, or winter tire discount.

Get an auto insurance quote

Fort Erie business insurance

Commercial general liability insurance, cyber insurance, product liability insurance, crime insurance - you name it, we can help you find it. BrokerLink is pleased to help your Fort Erie business find the coverage it needs, no matter what that looks like. One of our commercial insurance experts can recommend coverage while also helping you save money on business insurance.


Fort Erie home insurance

Fort Erie home insurance comes in all shapes and sizes to suit our customers. We understand that no two homes or homeowners are the same, which is why our goal is tailor-made coverage for all. Some of the property insurance services we provide include finding you a brand-new home insurance policy, renewing home insurance, changing the address on your home insurance policy, and more. Whatever you need help with, you can count on us. We can help you insure any type of property, from a rental property or a cottage to a condo or home.

Get a home insurance quote

Fort Erie insurance coverage to meet your unique needs

Here at BrokerLink, we pride ourselves on the wide range of insurance solutions we offer our customers. While our team of licenced insurance brokers has expertise in home insurance, car insurance, and business insurance, we can also help you find a multitude of other insurance policies, like the following:

  • 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 don’t see the type of insurance you’re looking for in the list above, don’t hesitate to contact us. A BrokerLink insurance advisor will take the time to listen to your insurance needs and recommend coverage accordingly.

Save money on Fort Erie insurance today

Fort Erie insurance should be affordable, and BrokerLink does everything to make it so. We unlock discounts on behalf of our customers, compare policies to ensure they always get the most competitive rates, and offer all kinds of tips to help keep their premiums low. Start saving today by reading through the following list of tips, put together by the Fort Erie BrokerLink team:

Get help from a BrokerLink insurance broker in Fort Erie

First, we recommend consulting with a professional insurance broker. Professional insurance brokers like those at BrokerLink are licenced and have the experience to help you find insurance at a great price. We can be reached by phone, email, or in person. No matter how you prefer to get in touch, a Fort Erie insurance advisor at BrokerLink will do everything in their power to ensure you find the best possible coverage at a price you can afford.

Bundle insurance products for great savings

Bundling insurance policies is another way that Fort Erie customers can save money on insurance. Insurance bundling works for a wide variety of insurance products, including car insurance, home insurance, and business insurance. When you purchase more than one policy from the same provider, it is referred to as a bundle. This larger purchase often garners a discount from your insurance provider.

Go with a higher policy deductible rather than a lower one

Your Fort Erie insurance premium is directly impacted by the deductibles you select for your policy. Thus, an easy way to keep Fort Erie insurance costs low is to choose the highest possible deductibles for your policy. Keep in mind that you are required to pay your deductible in the event of a claim, so you should never make it so high that you cannot afford to pay it. That said, if you want to lower your insurance premium, choosing a higher deductible over a low one can help.

Select the cheapest payment schedule

Many insurance companies give customers the option of paying for their policy monthly or yearly. While many policyholders are tempted to go with the monthly plan, this may not be the most cost-effective option if your insurer charges transaction fees. Hidden administrative fees, such as transaction fees, can make a monthly payment schedule more expensive, especially if they charge you extra every time you make a moment. So before you select a payment schedule, be sure to ask your insurance broker about any hidden fees that may apply.

Take advantage of the hybrid or electric vehicle car insurance discount

If you want to minimize Fort Erie car insurance costs, consider buying a hybrid or electric vehicle. Drivers of these types of eco-friendly cars might benefit from a hybrid or electric vehicle car insurance discount.

Choose a car with a high safety rating

Another vehicle-related factor that can save you money on car insurance is if you drive a car with a high safety rating. Vehicles that are widely considered to be safer and more reliable often come with cheaper auto insurance rates.

Sign up for an approved driving school in Ontario

If you enrol in and complete an approved driving program in Ontario, your insurer may offer you an auto insurance discount. This discount can be significant, especially for young drivers whose auto insurance rates tend to be among the highest in the province.

Outfit your car, home, and workplace with burglar alarm systems

Safety pays - in the form of insurance discounts, that is. Many insurance companies reward policyholders who take steps to make their cars, homes, and workplaces safer, and one of the most effective ways of doing this is by installing a monitored alarm system in them. An anti-theft device can protect your vehicle, while a burglar alarm system can protect your vacation rental property, home, or workplace. As such, your insurance provider is likely to give you a discounted rate on your car, home, or business insurance policy. For even more home protection tips that can save you money on insurance, get in touch with BrokerLink today.

Keep your driving record clean

If you can maintain a clean driving record, which means one that is free from tickets, DUIs, accidents, and other infractions, you will likely enjoy cheaper insurance rates. After all, a policyholder’s driving history is one of the biggest factors that determines their premium.

Choose a new, modern home

Homes that are new and modern are likely to result in lower insurance premiums than those that are old or have outdated features. Why? Older features may pose more of a liability issue than new ones. For example, the odds of a brand-new, energy-efficient electric furnace breaking are lower than an old oil tank breaking. Generally speaking, homes with more modern electrical, heating, and plumbing systems, as well as newer roofs, are more likely to come with cheaper home insurance rates.

Finish paying off your mortgage

Qualify for a mortgage-free home insurance discount by paying off your mortgage in full. Many property insurance companies in Ontario will give you a discount on your home insurance plan if you can show proof that your mortgage has been paid.

Only purchase the coverage you need

Many policyholders fall into the trap of purchasing more coverage than they actually need. The reality is that just because so many types of insurance coverage exist doesn’t mean you need all of them. In fact, there are many that may not benefit you at all. For instance, if your home is filled with basic items like clothing and electronics, then high-value home insurance likely isn’t required. This type of home insurance may only be worth it if your home has lots of expensive belongings like jewellery, musical instruments, or vintage wine. If you need help determining what types of coverage are worthwhile for your circumstances, contact BrokerLink.

We’re in your community

BrokerLink is dedicated to the Fort Erie community. We take pride in our efforts to make the community a better place, which is why you will find us involved in all types of local endeavours. Learn more about how we uplift the Fort Erie community by getting in touch today.

Contact us

At Fort Erie 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.


Fort Erie insurance FAQs

Is car insurance required in Fort Erie?

Yes, car insurance is a legal requirement in Fort Erie, which makes driving without it illegal. Thus, you will need to purchase an auto insurance plan if you want to drive in Fort Erie. For your auto insurance plan to be valid in Ontario, it must contain four types of mandatory coverage: third party liability insurance, accident benefits coverage, uninsured automobile coverage, and direct compensation - property damage coverage. If you do not purchase adequate coverage or abstain from purchasing a policy altogether, you could face serious penalties. For instance, driving without insurance in Ontario can lead to fines of up to $50,000, your vehicle being impounded, and your driver’s licence being suspended. Avoid these hefty consequences by purchasing a Fort Erie car insurance plan that meets the minimum coverage requirements in Ontario.

Is property insurance required in Fort Erie?

Property insurance is not a legal requirement in Fort Erie, or anywhere in Ontario. However, you may still be obligated to purchase a home insurance policy depending on your circumstances. The first circumstance in which a Fort Erie homeowner may be required to purchase home insurance is if they bought their property with a mortgage. Many mortgage loan agreements stipulate that the borrower must have a valid home insurance policy for the duration of the contract. The second circumstance in which a Fort Erie resident may be required to buy home insurance is if they are a renter. Landlords have the right to make lease agreements conditional on the renter purchasing tenant insurance in Fort Erie. You can learn more about tenant insurance through this tenant insurance guide. At the end of the day, if you bought your Fort Erie home with a mortgage or rent your property in Fort Erie, be sure to consult your mortgage loan or lease agreement to determine if you are required to purchase property insurance.

Can I purchase insurance from a broker online in Fort Erie, Ontario?

Yes, you can purchase insurance from a broker online in Fort Erie. Many customers prefer the ease and convenience of purchasing insurance online, whether they are looking for condo insurance in Fort Erie, boat insurance in Fort Erie, or something else entirely.

What is liability insurance?

Liability insurance is a type of insurance coverage that deals directly with legal claims. For example, if a guest was visiting your home and fell walking up your icy walkway, they could sue you. In this scenario, it is the liability coverage in your home insurance policy that would kick in and help cover the costs. Liability insurance is an important part of almost any type of insurance policy, including business insurance, car insurance, home insurance, and more. No matter what type of insurance we’re talking about, liability coverage can help pay for a variety of costs. These may include legal fees, medical expenses, repair bills, and more. It is also worth noting that liability insurance is not optional for car insurance. As a Canadian driver, you are required to carry third party liability insurance with you at all times.

How do I obtain a free insurance quote in Fort Erie?

Getting a free quote is easy. All you have to do is reach out to an insurance broker or insurance company near you and request a free quote. Though they may not all offer complimentary estimates, many do. Simply let them know what type of insurance you’re looking for, answer a few questions, and you can receive a free quote in as little as five minutes.

Should I buy insurance from an insurance broker or an insurance provider in Fort Erie?

The decision is yours to make, though in order to make an informed decision, it is important to be aware of the ways that insurance brokers and insurance providers differ. Insurance brokers work for brokerages that represent customers. They help connect customers with insurance policies offered by a wide range of insurance companies. Meanwhile, insurance agents work for specific insurance companies and help customers purchase insurance policies from their specific company only. Both professions are regulated, with insurance brokers and agents being fully licenced. This means that they both offer a safe and secure way of purchasing insurance in Fort Erie.

Can I buy insurance from a Fort Erie insurance broker online?

Yes, insurance brokers operate both online and in person, meaning that you can purchase an insurance policy through a broker online. Online insurance broker services range from helping customers purchase coverage to providing them with free quotes, helping them renew or change their policies, and even guiding them through the process of filing a claim with their insurance provider.

How do I renew my Fort Erie insurance policy?

An insurance broker or insurance agent can help you renew any Fort Erie insurance policy. The renewal process may vary between providers, but typically, you can contact your provider by phone or in-person to let them know that you would like to renew your policy at the end of the term. If you have an online account on your insurance company’s website, you may also be able to renew your policy on the internet. Before renewing your policy, make sure to look it over and make sure that the coverage, limits, and deductibles all still make sense and meet your needs. If you want to make any updates or adjustments, notify your insurance provider when you contact them about the renewal, and they will be able to make these changes for you. Keep in mind that, depending on the changes you make to your policy, your insurance premium may be affected.

How can I pay less for insurance in Fort Erie?

You can pay less money for insurance in Fort Erie by taking advantage of discounts. Customers can often find discounts for all types of insurance. For example, if you are buying car insurance, ask about winter tire discounts or hybrid and electric vehicle discounts. Alternatively, if you are buying home insurance, inquire about burglar alarm system discounts or sump pump/sewer backup detection device discounts. Beyond the various insurance discounts out there, you can also bundle insurance policies, choose higher deductibles, pay for your policy annually instead of monthly, and make all payments on time, if you want to benefit from a lower premium.

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