Personal Insurance Products
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Let us help you protect all aspects of your life. We have the customized products and services you need.
With our full complement of products, we can help you protect all aspects of your life. Regardless of your insurance needs, we take the time and care to ensure you have the custom-made products and services you need.
Having the right personal insurance not only protects your property and assets, it gives you peace of mind.
Auto & Vehicle
It doesn’t matter if you have an economy, mid-range or luxury car, you need insurance. However, what you’re looking for in terms of auto insurance may vary depending on the type of car you drive. We can help you understand all your options and find you the best coverage possible. Plus, when your policy is up for renewal, we’ll let you know if there’s better coverage.
Antique & Collector Vehicle Insurance
Do you collect or rebuild old cars? Once an antique or classic car is road worthy, it can be a substantial asset. To protect these extraordinary automobiles, you’ll need the right insurance. Let us find you the best coverage to safeguard your prized vehicles.
ATV, Snowmobile & Motorcycle Insurance
It doesn’t matter if it’s an ATV, a snowmobile or a motorcycle, you like to ride. Since this passion comes with risk, you need reliable insurance. Wherever you are – in the wilderness, on snow trails or on the wide open road – we work hard to find you the coverage you need.
Power & Sail Boat Insurance
Motorhome, RV & Trailer Insurance
Home & Dwelling
A huge benefit of owning and living in a condo is that it’s relatively low maintenance. However, one thing that’s not taken care of is your insurance. Your condo association’s policy most likely won’t cover your individual unit or your possessions in the case of fire, water damage or theft. We can work with you to tailor the coverage you need.
Dwellings Under Construction Insurance
Home-Based Business Insurance
Out-of-Country Property Insurance
Rental Property Insurance
Seasonal Dwelling Insurance
Vacation Property Insurance
Water Damage Insurance
Identity, Cyber & Umbrella Liability
Cyber Risk Insurance
Identify Theft Insurance
Personal Umbrella Liability
Collections & Travel
Fine Art, Furs & Jewelry Insurance
Out-of-Country Medical Insurance
Wine Collection Insurance
Life & Living Benefits
You can’t predict the future, but you can be prepared for it. Protect what matters most – your family, income and lifestyle.
Sometimes the unexpected happens. Loss of life, serious illness or unforeseen injury can have a significant financial impact. In the case of your untimely death, life insurance can provide financial security for your loved ones. Life benefits such as Critical and Disability Insurance can replace much needed income, while Individual Health Insurance can pay for expenses not covered under provincial health plans. Our team will work with you to make sure you’re prepared to face the future.
Critical Illness Insurance
If you’re diagnosed with a critical illness, you’ll need to focus on your health and recovery – not your finances. Critical Illness Insurance provides a tax-free, lump-sum payment for covered conditions. And, you can use this money any way you choose:
- Replace lost income
- Pay your bills
- Cover medical expenses or alternative treatments
- Hire somebody to look after you
- Even go on holiday with your loved ones
Work with our team to find the coverage that’s right for you. And, if you ever need to make a claim, we’ll ensure you’re paid promptly.
If you suffer from a physical or mental condition that limits your movements or activities, you might not be able to work. By finding the appropriate Disability Insurance solution for you, we can safeguard your income, savings, investments and assets. Be prepared for a disability before it happens.
Individual Health Insurance
Individual Health Insurance can help you pay for medications, glasses or even a hospital stay. Similar to group benefits plans offered through an employer, this type of insurance pays for medical expenses not covered under provincial plans. Let our expert team help you determine your health insurance needs. We’ll then find you the tailored coverage to keep you and your family healthy.
Life Insurance makes it easier for the people you love to manage financially without you. It can help them pay funeral costs, legal fees, mortgages, taxes and other bills. It can also help them maintain their lifestyle. This insurance is a critical part of being prepared for the future — let us help you get the coverage you need.
The ways we protect your business and life
Frequently Asked Questions
Additional Coverage Options for Hamilton Drivers
Together with standard car insurance, some Hamilton drivers may want to add additional coverages to their automobile policy. For example, some popular optional coverages in Hamilton include collision coverage, comprehensive coverage, accident forgiveness coverage and all perils coverage. Let’s break these down further below:
Should you be involved in a collision, either with another vehicle or an object on the road, collision coverage helps cover the costs of repairing or replacing your vehicle. No matter who is at fault.
Comprehensive coverage protects your vehicle from situations other than accidents, like vandalism, theft, fire, water damage and more. Your insurer will help cover the costs of repairing or replacing your vehicle.
Accident forgiveness coverage
By adding accident forgiveness to your insurance policy, it can protect your driving record and help prevent a rise in your insurance premiums if you are deemed at fault for a car accident.
Save Money on Hamilton Automobile Insurance
Are you interested in learning new ways to save money on your car insurance? The team at Lawrie Group Insurance has put together a list of tips to help you start saving right away.
Consider increasing your policy deductible
As a general rule in the insurance industry, the higher your deductible is, the lower your insurance premiums will be. Even just increasing by $500 to $1,000 can make a significant difference. This is because the more you are able to pay upfront after submitting a claim, the less an insurance company will need to pay out.
Bundle your policies together
Insurance companies like to reward loyal customers who own multiple policies with them by offering discounts on each policy. An insurance broker can help you determine the best insurance provider for bundling your policies together, like your automobile and home insurance.
Ask about a multi-car discount
When you insure multiple automobiles with the same provider, you will likely receive a discount for each vehicle. You can either insure multiple cars under the same policy or own individual policies for each car, such as standard auto insurance for one and antique and collector vehicle insurance for another. Either way, if you have multiple cars, make sure you take advantage of those savings!
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.
Contact Lawrie Group Insurance to learn more about Hamilton automobile insurance
Ready to purchase automobile insurance in Hamilton? Contact Lawrie Group Insurance today. One of our dedicated insurance brokers can answer any questions you may have and even provide you with an estimate. Quality home insurance brokers in Hamilton are just a phone call away. We look forward to hearing from you!
We’re here to answer any questions you have about our products and services.