About Pembroke Branch
Pembroke, Ontario offers visitors and its nearly 14,000 residents the adventure of a lifetime. Located northwest of Canada’s capital, Ottawa, where the Muskrat River and Ottawa River meets, we have awesome access to the outdoors, seen by our close proximity to Algonquin Provincial Park.
Recreation starts even closer to home with river access and the popular Kiwanis Way Waterfront Trail. World-class rafting, fishing, kayaking and beaches — come to Pembroke to experience it all.
The Ottawa Valley is our home. Western Financial Group brokers have roots here. We have served Ontario the right insurance at the best value since 1875 under our former Johnston & Mackie Insurance Brokers banner. We build insurance policies that always fit your needs.
We were also recognized by our peers and named Ontario Brokerage of the Year by the Insurance Brokers Association of Ontario (IBAO). Western Financial Group brokers in Pembroke on Nelson Street (formerly Johnston & Mackie Insurance Brokers) offer car and truck insurance, home insurance, business insurance, travel insurance, seasonal property, farm insurance and recreational vehicle insurance etc.
We have access to many other superior products. including affordable group insurance plans. We are dedicated to finding you the best insurance solutions in Pembroke, Ontario.
Look no further if you’re needing car and truck insurance today. Plus, when it comes to home insurance and business insurance, we offer the right protection. Our expert brokers are also your trusted source for farm insurance and seasonal property (cottage) insurance.
At Western Financial Group’s Pembroke brokerages, we have competitive rates and serve outstanding customer care. You can be assured all our insurance brokers are fully-licensed experts.
It’s our mission to advocate and negotiate on your behalf with all major insurance companies. By investigating all options, we, in turn, provide you an optimized insurance solution that fits your needs.
We have been a mainstay of the insurance community in Petawawa and Pembroke for decades, and our goal is to remain so for many decades more. Come and experience the Western Financial Group difference for yourself. Our expert brokers are just a call, click or branch visit away.
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Western Financial Group is a proud member of the Insurance Brokers Association of Ontario.
What do I need to know about car insurance in Pembroke, Ontario?
As a resident of Ontario, you need mandatory car insurance coverage that protects you, your passengers, and other drivers.
Under the Compulsory Automobile Insurance Act of Ontario, it is illegal to drive a motor vehicle that is not insured.
There are four types of car insurance that are legally required in Ontario:
- Third-party Liability Coverage: You must have a minimum of $200,000 in third-party liability coverage as part of your mandatory car insurance. It’s highly recommended that you purchase a higher limit. It protects you if someone is killed or injured, or their property is damaged, and you are found to be legally liable.
- Statutory Accidents Benefits Coverage: It provides you with benefits if you are injured in an accident, no matter who is found to be responsible. It includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits, and there are options to increase most of these coverages.
- Direct Compensation- Property Damage (DCPD) Coverage: It covers damage to your car or its contents, and for the loss of use of your car or its contents, if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer.
Insurance coverage under the DCPD section only applies if the following conditions are met: The accident took place in Ontario and there was at least one other vehicle involved in the accident. At least one of the other vehicles is insured by an insurance company licensed in Ontario.
- Uninsured Automobile Coverage: It protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It covers damage to your car caused by an identified uninsured driver.
What do I need to know about home insurance in Pembroke, Ontario?
Home insurance is not mandatory in Ontario, but if you have a mortgage your lender will likely require you to have an insurance policy.
Home insurance helps you protect against:
- Theft
- Fire
- Third- party “slip and fall” accidents
- Vandalism
Without home insurance, you’ll be responsible for paying out of pocket for damages to your home and detached structures like your shed or garage.
Home insurance also covers your personal belongings and helps protect you should someone get injured at your Pembroke home.
You’ll be protected and have peace of mind with home insurance in Pembroke.
Western Financial Group also serves these other Ontario locations:
Car Insurance
Barrie | Bracebridge | Brantford | Burlington | Cambridge | Cornwall | Guelph | Hamilton | Huntsville | Kenora | Kingston | Kitchener | London | Midland | Milton | Mississauga| Newmarket | North Bay | Orillia | Port Carling | Sarnia | Sault Ste. Marie | Scarborough | Sudbury | Thunder Bay | Timmins | Waterloo | Welland | Windsor | Woodstock
Home Insurance
Barrie | Bracebridge | Brantford | Burlington | Cambridge | Cornwall | Guelph | Hamilton | Huntsville | Kenora | Kingston | Kitchener | London | Midland | Milton | Mississauga | Newmarket | North Bay | Orillia | Port Carling | Sarnia | Sault Ste. Marie | Scarborough | Sudbury | Thunder Bay | Timmins | Waterloo | Welland | Windsor | Woodstock
