A city located in Ontario, Sault Ste. Marie is home to just over 70,000 residents. Its proximity to the St. Marys River just north of the United States border makes it a popular in-between location with plenty of tourism. Residents here need personal insurance brokers, the same way any Canadian does. BrokerLink has been meeting the needs of Canadians looking for insurance solutions since 1991 and is confident in its ability for finding the right insurance policy for you.
Find solutions with Sault Ste. Marie insurance brokers
Finding the best coverage for you and your situation can be difficult unless you're already an expert. It takes a lot of time out of your day, not to mention the fact that you'll need to choose between the tens of options that you end up finding. Working with local insurance brokers located in Sault Ste. Marie is the best alternative to wasting your time sifting through quote form after quote form. With such a range of options, how could you possibly know which one is best for you? That's where we come in.
BrokerLink knows that insurance can really be complicated. Going with a locally owned insurance broker who is familiar with your area means you get someone who can take the time to explain everything in-depth, get to know you and your needs, and personalize a plan just for you. BrokerLink shines, whether it's in helping you insure your new ride, your recreational toys, a condo you just bought for weekend getaways, or your business. Insurance is that much simpler when you work with a team of experts that get you.
Get in touch today and our friendly and knowledgeable local insurance brokers in Sault Ste. Marie will be happy to connect with you. We are pleased to be serving Sault Ste. Marie by customizing insurance policies and dedicating them to protecting your important possessions, whatever those may be. You can also receive a complimentary quote, which can give you an accurate idea of how much your insurance policy may cost. Chat with your local Sault Ste. Marie branch today to begin the process.
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BrokerLink insurance specialties
BrokerLink's insurance brokers in Sault Ste. Marie are ready to help you find solutions for a wide variety of different insurance products. Look at our list and see if what you're looking to find is described below:
Home insurance
It's very normal to have questions about how best to insure your home. Your home is where you lay down your head at the end of the day, where you make all your cherished memories with your family. Your home itself protects the people and the things that you deem most valuable to you, so coverage that doesn't leave you out in the cold is a must. Homeowners insurance can be purchased to protect your standard-owned property, a condo unit, or a rental apartment. If you have purchased your home with a mortgage, the terms of your agreement may call for the purchasing of the appropriate home coverage. The same applies if you rent. Landlords will often require you to purchase rental insurance before you may sign your lease agreement. Policies will differ in what they cover, insuring the entirety of your physical property, its contents, your liability, and even your landscaping, or just your liability and contents. Your policy can insure your home against power outages, water damage, hurricanes, fire, tornados, and more. Thankfully, policies can be customized to satisfy each homeowner and the level of coverage can range from minimal to extremely comprehensive. It all depends on your needs! A BrokerLink insurance broker in Sault Ste. Marie can help you find the most fitting policy for your budget nd needs.
Get a home insurance quote
Business insurance
Sault Ste. Marie's commercial insurance brokers from BrokerLink work hard to defend your business from the financial risks you could face during the daily operations of your business. BrokerLink knows all the different kinds of businesses out there needing insurance, from the smallest of e-commerce shops to the huge, multi-location storage businesses. We want to know what makes your business tick so we can understand how to build the right business insurance coverage for your circumstances. All small, medium and large business owners require coverage - it's just that your insurance coverage will look different depending on what you do. As commercial experts working hard to serve business owners with tailored coverage, we give you the chance to rest easy and focus on your business while we get you what you need. Look to us for commercial general liability insurance coverage, cyber liability, commercial property, professional liability, and more. Contact BrokerLink today for more information.
Get a commercial auto or property quote
Auto insurance
Car insurance is easier than ever to purchase nowadays, and you can do it all online. But it's more than just getting a free quote with BrokerLink. Our advisors actually help connect you with quality providers who can get you the most affordable policy for your lifestyle. No one uses their car the same or has the exact same coverage. Put simply, our policies and our decision-making take into account your uniqueness and our insurance brokers in Sault Ste. Marie factor that into their process when finding you dedicated protection. We can insure you to comply with provincial regulations while remaining within your budget.
Get an auto insurance quote
Is insurance required in Sault Ste. Marie?
The answer varies. While some types of insurance may be mandatory in the province of Ontario (and of course, Sault Ste. Marie by extension) some are not and are only recommended. Keep in mind what you may be responsible for according to provincial regulations because, with some forms of insurance, you could be fined for opting out.
Is auto insurance required in Sault Ste. Marie?
Yes. Auto insurance isn't just required in Sault Ste. Marie, but it is required in all of Ontario and all of Canada. Provincial regulations will mandate a different minimum coverage for every province, but here in Ontario, you will be required to carry four mandatory coverages: accident benefits coverage, third-party liability insurance, direct compensation property damage, and uninsured automobile coverage. If you are caught without insurance in Ontario, you could be faced with a fine of up to $25,000 for a first offence and up to $50,000 for a second offence, as well as a definite licence suspension. In the province, auto insurance averages between $1,500-$1,800/year. Consider that with respect to how much you could be charged for driving without. Avoid these lofty fines by getting insured with an insurance broker from Sault Ste. Marie. We work with multiple provinces but understand each province's requirements and can connect you with an insurance company fitted to your needs.
*Note that, while the province requires specific coverages, you can choose to enhance those coverages optionally for an additional premium. This is highly recommended, as an example, in the case of accident benefits coverage. The province minimum is $200,000, but many drivers choose to increase it to at least $1,000,000.
If your vehicle is leased or financed, you may be required to purchase some optional coverages, such as collision and comprehensive. This helps protect your lender's assets and may be made a condition of your lease agreement.
Is home insurance required in Sault Ste. Marie?
Not in the province of Ontario. There is a chance it could be required of your lender or bank if it has been made a condition of your loan. If this is the case for you, you will need to purchase whatever is requested of you in your agreement—most residents of Sault Ste. Marie will have mortgage purchase coverage for their home. That being said, even if you are mortgage-free or if it isn't a condition, it's still a highly recommended purchase.
Landlords may include similar conditions in rental agreements with tenants. Tenant insurance may not be required, but it helps preserve your landlord's peace of mind if you purchase it.
Is business insurance required in Sault Ste. Marie?
This is a tricky one, because technically, the answer can be yes or no depending on the industry you're in. Some industries may be required to carry a certain level of coverage, whereas other industries may not be asked to carry any at all (but it's still highly recommended for any business, small or large!)
Errors and omissions insurance, for example, is frequently required. If you are a health professional offering medical services or a lawyer, you'll likely need to carry some form of professional liability insurance in order to operate. Contractors may not be required to carry commercial liability insurance but they won't have much luck acquiring clients without.
Commercial insurance can support your business' reputation as well. Clients are more likely to view an insured business as reputable versus one that isn't. Insurance for your business protects your liability, property, and other important possessions that are crucial to your operations. You should consider it like any other business expense.
Tips for saving money on Sault Ste. Marie insurance
Looking for savings opportunities? You've certainly come to the right place. BrokerLink's northern insurance brokers in Sault Ste. Marie have the deeper insights you need to get better prices on your insurance coverage. We have a wealth of knowledge when it comes to insurance, and with a little time, we can get to know you just as well. We understand that not every savings tip works for everyone, which is why we advise you work with a broker for personal advice over the phone, by email, or in person. Insurers offer a wide range of discounts that not everyone may be eligible for, but we'll do our best to show you what you might qualify for depending on your situation.
Here are some tips for saving money on your insurance in Sault Ste. Marie:
Bundle your insurance policies through one provider
Multiple policy-discounts are a great way to save money while also having a convenient one-stop-shop through which to access your insurance documents! By simply switching your tenant or home policy over to the same provider as the one that insures your vehicle, you could save 10-15% on both policies!
Flex your green thumb
Nowadays, more and more providers are looking for ways to encourage their policyholders to "go green." You can do this a few ways. You can opt to go paperless, which many providers offer as a way to eliminate paper waste by sending you your insurance documents over email rather than by mail. This won't reward you with a huge discount (and not all providers do this) but it's better than nothing and it's much more convenient. You can also choose to drive a hybrid or electric vehicle, which could grant you a discount of up to 10% on your premiums!
Shop around with an insurance broker in Sault Ste. Marie
A broker will have insights on insurance that you probably weren't aware of. They may be able to inform you of all the different discounts you could be eligible for, ways to save based on your personal circumstances, or they can help you shop around for better rates.
Working with a Sault Ste. Marie insurance broker is a surefire way to more affordable insurance. Through a broker, you gain access to competitive rates that may not be available on the general market. In addition, a broker in Sault Ste. Marie can help you with choosing between coverage options, aiding you in your journey of trying to find the best protection for the lowest possible price. Brokers can also advise you on coverage details, limits, and so on.
Pay yearly rather than monthly
While this option is not feasible for some due to the upfront cost, choosing to pay for your premiums annually rather than monthly can save you some costs. Because insurers will charge you administrative fees with each payment, eliminating the other 11 months' worth of payments can save you considerably on your premiums. So, as long as this is feasible, we recommend paying annually versus monthly to save some cash.
Choose a higher deductible amount
Most policies will contain a deductible, or a pre-specified amount of money (sometimes expressed as a percentage amount) that you will be responsible for before your insurance company steps in to pay the remaining amount. Generally speaking, the higher your deductible amount, the lower your insurance premiums will be. This is because, from an insurance perspective, you're taking on more risk. Be careful of the amount by which you raise your deductible. It should be an amount you know you're capable of paying out-of-pocket, otherwise you could find yourself in some serious hot water. Chat with your local Sault Ste. Marie insurance broker about how deductibles work and if you should raise yours.
Other insurance coverages
BrokerLink also specializes in helping Sault Ste. Marie residents find the following coverages:
- 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
Local Ontario Insurance Links
If you’re a member of a group or association, you may be eligible for more discounts.
Contact us
Here at Sault Ste. Marie BrokerLink, we are beyond eager to begin finding you insurance solutions that work. For our neighbours in Northern Ontario, brokers from BrokerLink are the best resource for finding personalized insurance coverage for your home, pets, recreational items, business, and cars, or even for helping you find travel insurance solutions for your next big trip. Regardless of what it is, we're happy to help.
Connect with us by shooting us an email, calling us over the phone, or giving us an in-person visit at one of our locations in Ontario to chat today. However you mean to get in touch, we know we have what it takes to serve you. Take advantage of our online quote tool and get a free competitive quote in a matter of minutes.
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