Our Brokers Work for You

  • We don’t work for insurance companies — we work for you. That means our advice is always honest, unbiased, and focused on getting you the right coverage.
  • Our partner insurance brokers compare quotes from top insurance providers to help you find the best rate on home, auto, business, and travel insurance — without the hassle.
  • Our partner brokers take the time to understand what you really need, then make insurance easy by explaining your options clearly and helping you choose the right coverage that fits your life, your budget, and nothing more.
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Which type of insurance did you need?

Car insurance protection concept showing coverage against accidents, theft, damage, and financial loss for safety and security.

Car Insurance

Home insurance protection covering house against damage, theft, fire, and natural disasters for financial security.

Home Insurance

Commercial insurance protection covering business against risks like damage, theft, liability, and financial loss.

Commercial Insurance

Seasonal insurance protection covering temporary coverage for seasonal vehicles, properties, or business risks.

Seasonal Insurance

Our insurance brokers work to find the best coverage and rates for clients.

Real feedback from Clients who trust us!

Affordable insurance plans offering great coverage without high costs.

Why Great Insurance Doesn’t Have to Cost More

  • We work with over 50 trusted insurance providers to give you plenty of choice for home, auto, travel, and business coverage. With so many options, we can compare policies side-by-side to find the one that fits your needs and budget best.
  • By reviewing multiple quotes, our brokers ensure you get cost-effective coverage without sacrificing essential protection. Our advanced technology streamlines the process, saving time and reducing costs — savings we pass directly to you.
  • With thousands of Canadian businesses trusting us each year, we have the leverage to negotiate competitive rates, often lower than going directly to an insurer.
Get rates

Which type of insurance did you need?

Car insurance protection concept showing coverage against accidents, theft, damage, and financial loss for safety and security.

Car Insurance

Home insurance protection covering house against damage, theft, fire, and natural disasters for financial security.

Home Insurance

Commercial insurance protection covering business against risks like damage, theft, liability, and financial loss.

Commercial Insurance

Seasonal insurance protection covering temporary coverage for seasonal vehicles, properties, or business risks.

Seasonal Insurance

Simple and easy home insurance coverage for complete property protection.

Personal Property Coverage

Covers your personal belongings—like electronics, clothing, tools, or bags—if they’re lost, damaged, or stolen, even outside your home (e.g., from your car, at a hotel, etc.).

Glass Breakage

Often covers accidental breakage of windows or glass within the home.

Personal Liability Coverage

Covers legal expenses and damages if someone sues you for injury or property damage.

Building By-law Coverage

Pays for extra costs required to bring your home up to current building codes after a covered loss.

Dwelling Coverage

Dwelling coverage protects the physical structure of your home, including walls, foundation, attached structures, and the roof. It covers damage caused by insured risks such as fire, wind, hail, vandalism, and certain types of water damage. Coverage is based on the cost to rebuild the home, not its market value.

Service Line Coverage

Service line coverage protects underground utility lines on your property, such as water, sewer, gas, or electrical lines that connect your home to the street. If these lines are damaged due to wear and tear, corrosion, or freezing, this endorsement helps cover repair or replacement costs.

Home Insurance Made Simple

Let our experienced brokers protect your biggest investment—your home. At Get Rates, our brokers don’t just focus on price—they make sure you have the right coverage. Trust them to explain your options clearly and keep what matters most properly protected.

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We Tailor Perfection.

At Get Rates, our licensed brokers take the time to explain every coverage detail — so your home and car are insured properly, not just quickly.

Customized insurance solutions tailored to fit every client’s unique needs

Family Protection Endorsement (OPCF 44R):

**Enhanced Accident Benefits** This optional coverage increases protection after a serious injury. It boosts medical, rehabilitation, and attendant care limits from the standard amount to \$1 million or more—especially important in catastrophic cases. It also increases your weekly income replacement if you can’t work, and covers the cost of a caregiver or help with housekeeping and home maintenance if you're unable to manage on your own.

Additional Living Expenses (ALE) / Loss of Use

While this is often included in a standard policy, a homeowner can often increase the limit. This coverage pays for the increased costs of living while you are unable to live in your home due to an insured loss. ALE covers things like hotel stays, rent for a temporary apartment, restaurant meals, and other expenses that are above your normal daily costs. Increasing the limit can be crucial if repairs are expected to take a long time, as the basic coverage may not be sufficient.

Third-Party Liability:

While the legal minimum in Ontario is $200,000, our brokers at Get Rates strongly recommend increasing this limit to $1 million or even $2 million. The cost difference is minimal, but the added protection is significant. In serious accidents like this one, where damages can quickly exceed the minimum coverage, having a higher limit can protect you from paying out of pocket for legal fees, repairs, or medical expenses.

Optional Increased Accident Benefit Upgrades:

Increased Medical, Rehabilitation, and Attendant Care Benefits: Boosts coverage for injuries, especially catastrophic ones, from the standard limit to $1 million or more. Increased Income Replacement Benefits: Increases the weekly amount you receive if you're unable to work. Caregiver Benefit: Covers the cost of a replacement caregiver if you can no longer provide care. Housekeeping and Home Maintenance Expenses: Pays for someone to perform household tasks you're unable to do.

Restaurants to Retail - Business Insurance that Covers it All

No matter your industry, we specialize in protecting businesses of every kind. From restaurants and retail stores to contractors, consultants, manufacturers, tech startups, and professional service firms — we arrange the right coverage, fast. General Liability, Business Property, Errors & Omissions, and more — tailored to your business and bound when you need it.

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