Home Insurance Broker In Hamilton

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Home Insurance Broker Hamilton | Lawrie Group Insurance

Lawrie Group Insurance is the go-to home insurance brokerage in Hamilton for a reason. For years, we have been providing Hamilton homeowners with quality home insurance solutions. From dwelling under construction insurance and condo insurance to tenant’s insurance for renters, you can count on us for all your insurance needs. Keep reading to learn more about how Lawrie Group’s licenced insurance brokers can help you. 

Hamilton Home Insurance Solutions

Protect your high-value home, vacation property, or seasonal cottage with the right home insurance policy. As a full-service brokerage that specializes in home insurance, Lawrie Group Insurance can help Hamilton residents find a wide range of insurance products. For example, in addition to a standard homeowners insurance policy, we can help you find home-based business insurance, rental property insurance, seasonal dwelling insurance, water damage insurance, vacation property insurance, condo insurance, tenant insurance, and more. Contact Lawrie Group today to learn more about our personalized home insurance solutions, including the coverage that comes with each. In the meantime, we break down a few of our most popular types of home insurance below:

Third-party liability coverage 

Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.

Direct compensation - property damage coverage

If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle. 

Uninsured automobile coverage

Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.

Accident benefits coverage

Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.

FAQs

Is it worth using a broker for insurance?

Many Hamilton homeowners prefer to purchase insurance through a broker rather than through an insurance provider directly. Brokers have the expertise and resources to ensure you find great coverage at an affordable price. Plus, since brokers operate independently of insurance companies, they will take the time to listen to your needs and always put them first. If you’re looking to save time and money on home insurance and for someone to provide you with an honest, unbiased opinion on the best policy for your property, look no further than Lawrie Group.

Do brokers charge more for insurance?

There is a common misconception that buying insurance through an insurance broker is more expensive than buying it through an insurance company directly. This couldn’t be further from the truth. Brokers do not charge more for insurance. Instead, they take a small commission for their services that is paid by the insurance company which the customer buys a policy from.

Is home insurance in Hamilton mandatory?

Home insurance is not government-mandated anywhere in Canada, including in Hamilton. However, mortgage lenders can require borrowers to purchase home insurance. So if you plan on purchasing a home with a mortgage loan, you may need to buy a homeowners insurance policy. To learn more about mandatory home insurance in Hamilton, contact Lawrie Group today.

Why should I use a broker for Hamilton home insurance?

Insurance brokers make shopping for Hamilton home insurance easier than ever before. For example, here at Lawrie Group Insurance, we take care of everything. From the moment you get in touch, we will ask questions to understand your coverage needs and budget. From there, we will contact insurance providers and obtain quotes on your behalf, compare policies, and unlock discounts to find you the best possible insurance policy for your home. All the while, you get to relax instead of spending your free time researching policies on your own. For hassle-free home insurance in Hamilton, Lawrie Group’s team of licenced insurance brokers is here.

What types of home insurance can you get in Hamilton?

Lawrie Group offers a wide range of home insurance solutions to Hamilton residents. For example, we can help you find the following types of home insurance policies:

  • Condo Insurance
  • Tenant Insurance
  • Dwellings Under Construction Insurance
  • Homeowner’s Insurance
  • Home-Based Business Insurance
  • Investment Property Insurance
  • Out-of-Country Property Insurance
  • Rental Property Insurance
  • Seasonal Dwelling Insurance
  • U.S. & International Property Insurance
  • Vacation Property Insurance
  • Water Damage Insurance

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