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Best car insurance, home insurance, and business insurance in Charlottetown, Prince Edward Island

Whether you’re searching for car insurance, boat insurance, home insurance, business insurance, farm insurance, or life insurance, we are your trusted local experts in Charlottetown, PEI, with over 100 years of experience.

As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates— insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

Contact us today for a FREE quote and protect what matters most!

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Why Choose Western

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We shop across trusted providers to find you the best coverage.

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Over 9,000 Five-Star Reviews

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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Your local Canadian insurance broker in Charlottetown, PEI.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Business Insurance – Safeguard your business operations with tailored policies.
  4. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  5. Life Insurance – Plan for the future and protect your family’s financial security.

We also provide insurance solutions for local welders through the Christian Labour Association of Canada (CLAC). Western Financial Group is a proud member of the Insurance Brokers Association of Prince Edward Island. 

Proudly Supporting the Charlottetown Community

Located on the beautiful shores of Prince Edward Island, Charlottetown is the province’s vibrant capital city, known for its rich history, charming architecture, and welcoming community spirit. As the birthplace of Confederation, Charlottetown blends historic significance with a lively cultural scene and modern amenities. If you call Charlottetown home, like our team does, you’ll appreciate its friendly neighborhoods, thriving arts and culinary scenes, and the supportive environment that makes it a wonderful place to live and grow.

As a proud supporter of our charitable arm, the Western Communities Foundation, your Charlottetown branch is dedicated to supporting local initiatives like Camp Triumph, QE Hospital Foundation, PEI Habitat for Humanity, Santa's Angels, and the PEI Humane Society.

You can count on us to help you find the right car insurance, home insurance, business insurance, and more. We understand the unique needs of our Charlottetown neighbours and are committed to providing personalized insurance solutions. Our experienced team here in Charlottetown will work closely with you to design coverage that fits your lifestyle - today and as your needs evolve!

Western Financial Group is a proud member of the Insurance Brokers Association of Prince Edward Island. 

Comparing Insurance Options Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.

Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!

Top Charlottetown Insurance FAQs

Is car insurance mandatory on Prince Edward Island?

Yes. All vehicles driven on public roads in Canada must have valid car insurance, specifically third-party liability coverage. All drivers should hold a valid driver’s license, too. Even if you fully own the car, you are legally required to have car insurance in PEI.

Who regulates car insurance in PEI?

The Island Regulatory and Appeals Commission (IRAC) oversees and regulates auto insurance rates in PEI. Every year, auto insurance companies in PEI need to submit their rates and premiums to the Commission for approval, which helps ensure that you get fair and reasonable coverage. 

Can I buy car insurance from any company in Prince Edward Island?

Yes, car insurance is privately provided in PEI, which allows you to shop around and compare prices between different providers. As an insurance broker, Western can do that work for you to find the best possible deals for your specific situation, taking into account your age, driving history, car make/model, and more. 

What is the minimum required car insurance coverage in Charlottetown?

The minimum required coverage in PEI is $200,000 in third-party liability coverage per accident, but many drivers choose higher limits for better protection. Western can help you determine the right amount of coverage for your specific situation.

How are car insurance rates set up in Charlottetown, PEI?

Your car insurance rate can vary quite a bit depending on the provider you choose and your own personal situation, which is why Western is here to help you compare options and get the best possible coverage. Car insurance providers in Prince Edward Island look at your age, driving record, vehicle type and usage, where you live, your claims history, and more to give you a personalized rate. 

Is home insurance mandatory in Charlottetown, PEI?

Home insurance is not legally required anywhere in Canada, but we highly recommend protecting your home with insurance – it’s one of your biggest investments after all! Most mortgage lenders will require that you take out a home insurance policy before they will approve a loan.

What does home insurance usually cover in Prince Edward Island?

Typically, your home insurance will include dwelling coverage (protecting the structure itself), personal property coverage (belongings inside the home), and liability coverage (protection if someone is injured on your property). Standard policies in Prince Edward Island cover fire, theft, some kinds of water damage, wind, and vandalism – home insurance is a must! 

What types of home insurance are available in PEI?

Cost and coverage varies quite a bit depending on your unique home, which is why it’s a good idea to speak to one of Western's insurance experts about your situation. Some different home insurance types include:

  • Standard homeowner’s insurance
  • Condo insurance
  • Tenant (renter’s) insurance
  • Rental property insurance
  • Cottage/cabin insurance
  • Mobile home insurance
  • Tiny home insurance

Does my Charlottetown home insurance cover everything?

It depends on the optional coverages you’ve added on. We can help you check your coverage and understand your needs. Usually, home insurance doesn’t automatically cover flooding, earthquakes, wear and tear, or basic maintenance. You may also need to talk to an insurance expert to make sure all valuables in your home are covered, like jewelry or collectibles.

 

Broker Information

Charlottetown, Prince Edward Island

Reviews: 3.4

Contact Branch
902-894-5066
Charlottetown@westernfg.ca

Location
57 Grafton Street Charlottetown, PE C1A 1K8

Hours

Mon-Fri: 8:30am - 4:30pm

Your Trusted Insurance Broker in Charlottetown, PEI