Insurance Broker in Pembroke

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BrokerLink Pembroke is an insurance brokerage dedicated to excellence. We specialize in top-notch customer service and have insurance expertise like no other. Plus, we care about the local community. We aim to make insurance as affordable as possible and provide a stress-free insurance experience to all Pembroke customers. For an Ontario insurance broker you can trust, look no further than BrokerLink.

Learn more about BrokerLink Pembroke’s flexible and customized insurance solutions

Does flexible and customized insurance sound good? We thought so. BrokerLink can help Pembroke residents find a wide range of insurance products. However, we understand that no two customers are the same, and therefore no two insurance policies should be the same either. That is why we take care to find tailor-made policies for all of our Pembroke customers. We will assess your coverage needs and come up with an insurance plan that meets them. Whether you are in the market for home insurance, commercial insurance, auto insurance, or even pet insurance, if you make BrokerLink Pembroke your go-to brokerage, you won't be disappointed. We are committed to finding the best possible insurance at a competitive rate, and we do the work for you. We will uncover discounts any and all discounts you are eligible for, obtain quotes from leading insurance companies in Canada, and compare products to find the right one for you. Contact BrokerLink Pembroke to get started with a licenced insurance broker today.

Insurance brokers 101: What are they and how do they differ from insurance agents?

Before you commit to working with an insurance broker, it is important to understand what they are and how they compare to insurance agents. First, let’s define what an insurance broker is. Insurance brokers are licenced insurance professionals that work for brokerages. They do not work for a specific insurance company. Instead, they have knowledge about the insurance products sold by a wide variety of insurance companies. And first and foremost, brokers represent the customer. Owing to their knowledge and expertise, they can help customers from all walks of life find the best insurance plans for their needs and budgets. In contrast, insurance agents work for specific insurance providers, and while also licenced and knowledgeable, their expertise tends to be limited to the insurance products sold by the company they work for. Therefore, if you are looking for an insurance professional that has your best interests at heart and who can help you save time and money on insurance, an insurance broker is your best bet.

What are the perks of working with an insurance brokerage in Pembroke?

There are so many advantages to working with an insurance brokerage in Pembroke, from the level of expertise brokers offer to the ways that they can help you save money. A few of the top perks of enlisting the help of a Pembroke insurance broker are as follows:


Insurance brokerages offer a convenient insurance experience that you won’t get anywhere else. Without an insurance broker, you would be left to research policies and compare them all on your own. This could take hours, if not days or weeks. With everyone’s busy schedules, it’s understandable that you don’t want to spend your free time searching for insurance online. An insurance broker can fill this gap by shopping around for you. All you have to do is explain what type of coverage or policy you’re looking for, and you can leave the rest to them. It’s that easy!


Unless you work in the insurance industry yourself, understanding the world of insurance can be difficult. It’s important to have professionals that you can trust and rely on for advice. That’s what an insurance brokerage offers. It is the job of a licenced insurance broker to provide customers with expert insurance advice, day in and day out.

Cost savings

Who doesn’t love saving money? Finding a cheap insurance policy that still gives you the protection you need is difficult, especially if you don’t have much insurance experience. But a broker can help you cut corners in ways that don’t compromise the integrity of your policy. A BrokerLink insurance advisor can search for discounts on your behalf and give you effective money-saving tips.

BrokerLink Pembroke insurance services

BrokerLink Pembroke can help customers find all kinds of great insurance products, from commercial insurance and homeowner’s insurance to tenant’s insurance and auto insurance. Discover more about a few of our insurance specialties below:

Business insurance

Business insurance in Ontario isn’t hard to find, but finding a quality policy is. BrokerLink is dedicated to helping our customers in Pembroke find the exact coverage they need to protect their businesses. For some, standard coverage might be enough. But for others with more unique risks, a BrokerLink insurance advisor will help you find a policy with the specific coverage you desire, whether that takes the form of crime insurance, cyber liability insurance, professional liability insurance, and more. No matter your business’s coverage needs, we will work to match you with a policy that meets them - and is within your budget. Our insurance brokers have experience working with small businesses, large corporations, and everything in between. Contact BrokerLink Pembroke for more information regarding our Ontario commercial insurance solutions.


Home insurance

Pembroke home insurance is just a click away with BrokerLink. Our licenced insurance advisors will get to know you and the unique features of your home. From there, we can recommend the best policy, including the most important coverage types. Although some homeowners might be looking for basic home insurance coverage (e.g. content, dwelling, and personal liability coverage), others might be looking for additional coverage for the peace of mind it brings. We can help Pembroke residents find everything from the most basic coverage to comprehensive coverage that includes the likes of overland water insurance, sewer backup insurance, even home business insurance, and even high-value home insurance. We also have insurance for all kinds of homes, not just primary residences. For example, a BrokerLink Pembroke insurance broker can help you find home insurance for your vacation home or cottage, rental property, or even your leased home. We can help you find a tenant or renter’s insurance policy for all budgets. In addition, if you have questions about home insurance, such as about home insurance tax deductibles or tips to prevent flooding and promote safety in your home, BrokerLink is here.

Get a home insurance quote

Auto insurance

In the market for Pembroke car insurance? You’ve come to the right place. Car insurance has been one of BrokerLink Pembroke’s specialties since its inception. Although car insurance is mandatory in Ontario, it isn’t always easy to find a great policy. We are on a mission to right this wrong by helping our customers find great auto insurance coverage at a competitive price. Our insurance brokers know the ins and outs of the auto insurance industry and can help you find coverage that complies with provincial law and give you and your vehicle the protection it requires. One of our local Pembroke insurance brokers will be pleased to provide you with an accurate and complimentary auto insurance quote, offer expert tips on how to find a cheap car insurance policy, and explain in intricate detail how auto insurance policies work. A BrokerLink Pembroke insurance advisor can also help you with renewing car insurance before your policy is set to expire. Get in touch with BrokerLink Pembroke today for more information on our personalized car insurance solutions.

Get an auto insurance quote

What other insurance coverage does BrokerLink Pembroke offer?

Pembroke customers might be pleased to learn that our insurance expertise doesn’t start and end with home, business, and auto insurance. No, as a full-service insurance brokerage, we can also help you find the following types of coverage:

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

Insurance requirements in Pembroke, Ontario

Is insurance required in Pembroke? This is a question that many Ontario residents wonder about. The problem is that it has multiple answers. For example, if we’re talking about Pembroke car insurance, then yes, it is required. The Ontario government has made auto insurance mandatory for all drivers in the province, so if you drive in Pembroke, you must have a valid auto insurance policy. Please note that a valid car insurance policy in Ontario must include certain types of coverage. Namely, accident benefits coverage, uninsured automobile coverage, direct compensation - property damage coverage, and third party liability coverage at least $200,000 worth of this.

Home insurance may also be required of Pembroke residents. However, it is not mandated by the government like car insurance. Instead, it may be required by your mortgage lender or bank if you buy a home with a loan, or by your landlord if you rent a home in Pembroke. If you buy a house with cash, though, you are likely under no obligation to purchase home insurance though most homeowners still do.

Business insurance is also situationally required, meaning it is not a legal requirement set by the government but it may be required by other regulating bodies. For example, certain professions like lawyers or doctors may need to purchase specific coverage.

Whether you are required to purchase a certain type of insurance or not, the financial protection any insurance policy offers is invaluable. You can learn more about the benefits of insurance coverage by getting in touch with a broker at BrokerLink Pembroke either over the phone, via email, or in person.


How do insurance providers determine insurance premiums in Pembroke?

Calculating insurance premiums for Pembroke customers is not as easy it might seem. A lot goes into an insurance agent’s calculations, including factors that are both within your control and out of your control. To give Pembroke customers some insight into the process of calculating insurance rates, the BrokerLink team has put together a list of factors that commonly impact home insurance, auto insurance, and business insurance rates. For an accurate quote on any type of insurance, contact BrokerLink today.

Factors influencing Pembroke home insurance rates

  • Your home address
  • The projected value of your home
  • How big your home is
  • How many people live in your home
  • The age and condition of your home’s roof
  • The age and condition of your home’s electrical system
  • Your insurance claims history
  • The age and condition of your home’s plumbing system
  • The policy deductibles, coverages, and limits included in your Pembroke home insurance policy

Factors influencing Pembroke auto insurance rates

  • Where you live (i.e. where your car is parked and where you drive most frequently)
  • Your age
  • Your driving record
  • Your driving experience
  • Your gender
  • Your insurance claims history
  • The number of kilometres you drive every year
  • The type of vehicle you own (including year, make, and model)
  • Your prior insurance records
  • The limits, deductibles, and coverage featured in your policy
  • Local insurance laws and requirements in the province you live in
  • How much time you spend behind the wheel
  • Whether you use your vehicle for business use, personal use, or a mix of the two

Factors influencing Pembroke business insurance rates

  • Where your business operates (e.g. the general city/town and exact address)
  • Your years of experience in the field
  • The size of your business
  • The number of people your business employs
  • The annual and projected revenue of your business
  • Your insurance claims history
  • The policy deductibles, coverages, and limits of your Pembroke commercial insurance plan

Get a great deal on Pembroke insurance with these savings tips!

Who doesn’t love a good deal? A BrokerLink Pembroke insurance broker can help you find just that by offering expert tips on how to save money on insurance. The tips below can help you find cheap home insurance, car insurance, business insurance, and more. Check them out and start saving ASAP:

  • Re-evaluate your coverage needs by analyzing your policy whenever it is set to expire if you need help doing this, contact a BrokerLink insurance advisor and they can review it for you
  • Consider buying two or more products and bundling insurance policies from the same insurance company to save money
  • Increase the insurance deductible on your policy to instantly lower your premium
  • Pay for your insurance in one annual installment to avoid paying additional fees
  • Consult with an experienced insurance broker when shopping for insurance (BrokerLink Pembroke is just a call away!)
  • Drive an environmentally friendly car, like an electric vehicle, to save money on both gas and Pembroke auto insurance
  • Hone your driving skills by completing a driving course at an approved driving school in Ontario
  • Install an anti-theft device or monitored alarm system in your car, home, or office to increase safety and be eligible for an insurance discount
  • When the weather gets cold, swap out your all season or summer tires for winter tires to save money on auto insurance
  • Drive responsibly and maintain a clean driving record and you could qualify for a safe driver discount
  • Pay less for home insurance by not purchasing a home with a pool or installing one on your property
  • Buy a home that is a short distance from a fire station or fire hydrant
  • Buy a home with cash or pay down your mortgage loan to become mortgage-free and qualify for a home insurance discount
  • Make your workplace as safe as possible for your employees
  • Implement a comprehensive risk management strategy at your business

We’re in your community

We love to get involved with our local community, and that means treating our Pembroke customers like family. We value community, integrity, generosity, and respect. If you share our values, we’d love to meet you!

Contact us

At Pembroke 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.