Insurance Broker in Niagara Falls

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Niagara Falls is visited by millions of tourists every year. It's an amazing sight to behold, and it's no wonder that people travel from all over the world to see it. Niagara Falls is also a community in its own right with many other things to offer! Almost 90,000 people call this place home, and we are proud to be a wonderful place to live, work and play.

The falls that our town is named after are a source of inspiration and delight. Even if you've seen them a thousand times, the sight will still take your breath away. Don't just stop at the falls - there is so much more to see! There are a number of walking and biking trails. We are also a destination for golfers of all levels. If you're not the outdoorsy type, visit one of our many museums, such as the Battle Ground Hotel Museum. This museum is a former tavern that displays artefacts from the War of 1812. And for all the shoppers out there, don't worry! There are plenty of shops and outlets where you can shop til you drop.

Finding the right insurance policy is no easy task, but BrokerLink is here. With an insurance expert at your fingertips, BrokerLink can help Niagara Falls residents find quality home, auto, and business insurance solutions.

Home, business, and auto insurance in Niagara Falls

Let Brokerlink help you find a home, business, or car insurance policy that suits your needs and budget. Keep reading to find out more about our customized insurance offerings:

Home insurance

Home insurance offers financial protection to Niagara Falls homeowners. Whether required by your mortgage lender or not, BrokerLink can help you find a home insurance policy that adequately protects your property and its contents. Many standard home insurance policies safeguard against property damage, third party claims, and more. Depending on the policy you choose, your home may be covered in the event of specific perils like fires, water damage, hurricanes, tornados, power outages, and more. Furthermore, if you rent a home in Niagara Falls, we can also help you find the right tenant’s insurance policy. Get in touch with BrokerLink to learn more about the home insurance options available to Niagara Falls residents.

Get a home insurance quote

Business insurance

Operating a business comes with risks. Luckily, business insurance exists to protect you should something go wrong. BrokerLink will take the time to understand your business's unique needs and find a policy to match it. No matter the size of your business or the industry, we are here to help. As commercial insurance experts, we will work closely to match you with a customized policy. We can help you navigate different types of coverage, from commercial property coverage to cyber liability coverage, commercial general liability coverage, professional liability coverage, commercial auto insurance, and much more.


Auto insurance

Finding Niagara Falls auto insurance has never been easier thanks to BrokerLink. Our insurance advisors know the ins and outs of Ontario car insurance, which means we can help you find a quality auto insurance policy in no time. Since auto insurance is mandatory in Ontario, you will need to purchase a policy if you drive in Niagara Falls. A BrokerLink insurance advisor can make sure your policy not only complies with provincial law but also gives you the coverage you need at a great price.

Get an auto insurance quote

Other insurance coverages

Are you in the market for another type of insurance? BrokerLink’s insurance expert can also help you with the following types of insurance:

  • 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

Mandatory insurance in Niagara Falls

Auto insurance is provincially regulated and is mandatory everywhere in Ontario. Therefore, if you drive in Niagara Falls, you will need a valid car insurance policy (this means a policy featuring no less than $200,000 in third party liability coverage, in addition to accident benefits coverage, uninsured automobile coverage, and direct compensation - property damage coverage). Driving uninsured is illegal and can have serious consequences, like fines of up to $25,000 for a first offense and up to $50,000 for a second offense (in addition to a 15% surcharge), as well as a driver’s licence suspension.

Unlike auto insurance, home insurance is not government-mandated, however, it may be required by your mortgage lender. If you buy a house with a mortgage, some lenders will make purchasing homeowners insurance a condition of your loan. To learn more about mandatory coverage in Niagara Falls, contact BrokerLink.

Factors that impact Niagara Falls insurance premiums

The cost of Niagara Falls insurance varies because insurers consider many factors when calculating rates. Niagara Falls residents might find it helpful to know which details come into play when insurance premiums are being set. For this reason, we’ve compiled a list of common factors below:

  • Your location
  • The size of your home
  • The make and model of the car you drive
  • Your age
  • Your insurance claims history
  • Your gender
  • Your marital status
  • The coverages, limits, and deductibles you choose

How to save money on Niagara Falls insurance

Looking to save money on Niagara Falls insurance? The first step is to work with a broker. BrokerLink’s team of insurance advisors are experts in all types of insurance, which allows us to find great policies at competitive rates for each of our customers. We will contact Canada’s top insurance providers, obtain and compare quotes, and unlock discounts on your behalf. Plus, we are happy to share our top tips for saving money on home, auto, and business insurance. Keep reading for a few money-saving tips below:

Niagara Falls Trivia

Charles Blondin was a French funambulist (that's a fancy word for tightrope walker). In 1856, he crossed the falls on a 340 metre long tightrope! He would go on to complete the stunt many more times, adding a twist each time. He crossed the falls blindfolded, in a sack, on stilts, and one time he sat down halfway through to cook and eat an omelette. While it must have been impressive, we don't recommend you try it yourself!

Local Ontario Insurance Links

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

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!

Why work with a BrokerLink broker

Since 1991, the BrokerLink team has been dedicated to finding insurance policies that meet the needs and budgets of our customers. We are experts in all things Niagara Falls insurance and can ensure you receive the most competitive rate on your policy.

Contact us

At Niagara Falls 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.