Make shopping for insurance easy on yourself by enlisting the help of a licenced professional. BrokerLink Kawartha Lakes is home to a team of experienced and friendly insurance brokers who are committing to finding quality insurance coverage for each of our customers.
Kawartha Lakes car, property, and commercial insurance solutions to meet your needs
How does insurance that is tailor-made to your needs sound? That is exactly what BrokerLink Kawartha Lakes offers. Our distinguished team will match you with an insurance plan in no time, whether you are looking for car insurance, homeowner’s insurance, or commercial business insurance. Learn more about our three insurance specialties below:
Car insurance
Finding a Kawartha Lakes car insurance policy that meets your needs and budget is easier said than done - unless you have the help of a broker, that is. Insurance brokers are car insurance experts that are familiar with the legal requirements surrounding auto insurance in Ontario, as well as the benefits of additional coverage. No matter what type of coverage you need - basic or comprehensive - our team is here to find it for you. Let us take care of everything. We will make sure the policy you choose complies with Ontario law and suits your vehicle and lifestyle. We can also explain how coverage works and introduce you to the perks of extra coverage like comprehensive, collision, or accident forgiveness. Whatever your auto insurance needs, BrokerLink Kawartha Lakes is here.
Get an auto insurance quote
Property insurance
One of the best ways to protect your home is with property insurance. Property insurance is uniquely designed to protect homeowners from the everyday risks that come with owning a valuable piece of real estate. For example, your Kawartha Lakes homeowner’s plan might provide coverage for property damage (to both your physical home and the contents of your home, e.g. clothing, furniture, electronics, etc.), lawsuits, incidents of theft, and more. Your plan will specifically protect your home against the perils that you opted to include. Peril options may range from lighting, power outages, and wind to falling objects, vandalism, flooding, hurricanes, and earthquakes. For greater protection, you can also opt to purchase all perils coverage or a home insurance endorsement like equipment breakdown coverage or sewer backup coverage. For Kawartha Lakes residents who do not own their homes, BrokerLink can help you find comprehensive tenant and renter’s insurance policies.
Get a home insurance quote
Business insurance
Running a business is already stressful, so don’t make it even harder on yourself by refusing to purchase commercial business insurance. Commercial business insurance is designed to alleviate some of the day-to-day risks that come with operating your own company in Kawartha Lakes. Coverage options for businesses are wide-ranging, meaning you can likely find the protection you need, whether you are looking for cyber liability coverage, crime insurance, professional liability coverage, and more. Of course, an insurance advisor at BrokerLink Kawartha Lakes can also help you find a standard commercial business plan that includes the likes of commercial property insurance and commercial general liability insurance (these coverages can protect your business against property damage caused by insured perils and third party lawsuits alleging bodily injury, property damage, and more). What are you waiting for? Get in touch with BrokerLink Kawartha Lakes, either by phone, email, or in person, to find the right coverage for your business.
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BrokerLink Kawartha Lakes can also help you find these types of insurance
BrokerLink Kawartha Lakes does not exclusively focus on finding business, automobile, and homeowner’s insurance solutions for our customers. As a full-service brokerage, we can help Kawartha Lakes customers find even more types of insurance, like landlord insurance, equine insurance, and more. Below is a list of coverages you can find through BrokerLink Kawartha Lakes:
- 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
Home, auto, and business insurance requirements in Kawartha Lakes, Ontario
Knowing the insurance requirements in your city, province, and country is important. Otherwise, you might make an assumption that ends up getting you into trouble (like assuming that car insurance isn’t required and getting behind the wheel without it). To clear up any misconceptions, the BrokerLink Kawartha Lakes team dives into the topic of required insurance below.
First and foremost, Kawartha Lakes residents must understand that car insurance is government-mandated, which means it is legally required everywhere in Ontario. No matter your age, gender, how often you drive, or the type of vehicle you drive, you must purchase a valid automobile insurance policy if you wish to hit the road. Further, not just any policy will do. You must buy one that meets the government of Ontario’s minimum coverage requirements (i.e. uninsured automobile, accident benefits, third party liability, and direct compensation - property damage coverage). If you do not buy car insurance or purchase a below that fails to meet these requirements, you could face major consequences. For instance, in Ontario, if you are caught driving with no car insurance, you could be fined or have your driver’s licence temporarily suspended. Thankfully, all you have to do to avoid these negative repercussions is to buy an automobile insurance plan, which BrokerLink Kawartha Lakes can help you with.
In some situations, Kawartha Lakes residents may find that homeowner’s insurance is also required. Though not mandated by the provincial government, sometimes other parties like banks or lenders can request it, especially if you need to take out a mortgage loan to buy your house. Even if you just rent your home in Kawartha Lakes, you may still need to buy a type of home insurance known as renter’s or tenant insurance to satisfy your landlord’s requirements.
Commercial insurance requirements in Kawartha Lakes are a little more tricky as they vary depending on the industry you work in. Business insurance is required for certain professions but not others. Further, sometimes clients will demand that companies have commercial coverage if they want to work with him. Ultimately, there are many situations in which Kawartha Lakes business insurance might not only be important but necessary. Contact BrokerLink Kawartha Lakes to learn more about the nuances of compulsory insurance coverage in Ontario.
Keep Kawartha Lakes insurance premiums low with these expert tips
Finding affordable insurance in Kawartha Lakes might seem impossible, but trust us when we say it isn’t. As insurance experts, we have years of experience finding policies for people with a broad range of budgets. Whether you are looking for basic coverage and the lowest possible premium or comprehensive coverage at a reasonable price, BrokerLink Kawartha Lakes can help. In the meantime, our team has put together a list of tips to help keep home, auto, and commercial insurance premiums low for Kawartha Lakes customers:
Tips to save money on automobile insurance in Kawartha Lakes
- Buy an environmentally friendly vehicle, like a hybrid or electric vehicle (EV)
- Sign up for an approved Ontario driving school (no matter your age)
- Purchasing a set of snow tires and have them installed on your vehicle
- Drive safely and responsibly to maintain a clean driving record and possibly quality for a safe driver discount
Tips to save money on homeowner’s insurance in Kawartha Lakes
- Install a home security system on your property
- Pay off your mortgage or buy a home with cash (being mortgage-free might make you eligible for an insurance discount)
- Do not purchase a home with a swimming pool (especially an unfenced one)
- Buy a home that is situated close to a fire hydrant or fire station
Tips to save money on commercial insurance in Kawartha Lakes
- Take steps to ensure your workplace is as safe as possible
- Evaluate your company’s risks and buy coverage accordingly
General money-saving tips for Kawartha Lakes customers
- Buy more than one insurance product from the same insurance provider
- Select a higher deductible or raise an existing deductible by $500 or $1,000
- Assess your existing coverage annually and update it accordingly, removing coverages that are no longer beneficial to you
- Seek the help of a knowledgeable and friendly insurance broker in Kawartha Lakes before buying insurance
- Pay for your Kawartha Lakes insurance policy annually to avoid extra transaction fees
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!
Contact us
At Kawartha Lakes 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 Kawartha Lakes insurance
What are the benefits of working with a Kawartha Lakes insurance broker?
The
benefits of working with a Kawartha Lakes insurance broker include cost savings, convenience, and expertise. An insurance broker is an expert in a wide range of insurance products, which means they can compare them to find you the best policy at the lowest rate. Even better, they do this research for you so that you don't have to lift a finger. To top it off, insurance brokers have years of experience and are licenced, which means as a customer, you can take advantage of their extensive knowledge.
Is it safe to buy a Kawartha Lakes insurance policy online?
Yes, it is safe to buy insurance online. It is actually one of the quickest, easiest, and most convenient ways to purchase insurance. Simply visit an insurance company’s or broker’s website, request a free quote, fill out some personal information, and you can be the owner of a brand new insurance policy in under ten minutes.
How do insurance companies calculate insurance rates?
This varies from insurance provider to insurance provider. However, generally speaking, insurers consider many factors when calculating insurance premiums. For example, if you are shopping for automobile insurance, an insurer might ask about your age, gender, marital status, driving record, claims history, the make, model, and year of the vehicle you drive, and more to help them assess your risk level and determine your rates. Knowing what information will be used by insurance companies to calculate rates is important. Customers must be prepared to provide many details to their insurance broker or agent, whether they are requesting a free quote or finalizing the purchase of a policy.
If you have any questions, contact one of our local branches.
