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Best car insurance, home insurance, and business insurance in Kitchener, Ontario

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 Kitchener, ON, 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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Your local Canadian insurance broker in Kitchener, Ontario.

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. Boat Insurance – Stay protected while enjoying life on the water.
  4. Business Insurance – Safeguard your business operations with tailored policies.
  5. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  6. 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 Ontario. 

Proudly Supporting the Kitchener Community

Do I need additional insurance coverage for flooding in Kitchener?

Yes, given Kitchener's susceptibility to flooding, homeowners may need additional coverage beyond standard home insurance. They should consider purchasing overland water coverage to protect against flood-related damages. See Does Home Insurance Cover Natural Disasters?

Are there specific insurance considerations for recreational activities in Kitchener, such as boating or skiing?

Yes, individuals engaging in recreational activities like boating or skiing should consider purchasing specialized insurance coverage to protect against accidents, injuries, and liability claims associated with these activities.

How can I ensure my insurance policy adequately covers me during severe weather events common to the Kitchener area?

To ensure adequate coverage against severe weather events like hailstorms and windstorms in Kitchener, homeowners should review their insurance policies regularly, consider additional coverage options, and update their coverage limits as needed.

Are there any discounts or incentives available for bundling car insurance and home insurance policies in Kitchener?

Yes, many insurance providers offer discounts and incentives for bundling multiple insurance policies such as home, auto, and recreational vehicle insurance. Talk to us about how to potentially reduce your insurance costs. See Why Are Ontario Car Insurance Rates Going Up?

Western Financial Group is a proud member of the Insurance Brokers Association of Ontario. 

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!

What do I need to know about car insurance in Kitchener, 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.

    As of January 1, 2024, drivers have the option to drop Direct Compensation – Property Damage (DCPD) from their auto insurance coverage.  What this means is an Ontario driver can agree not to receive compensation for damages caused to their vehicle in a collision that was not their fault. Opting out of DCPD may help you save money on your car insurance premiums, but you are increasing your risk as a driver. 
  • 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.

5 Questions about mandatory car insurance in Ontario

What do I need to know about home insurance in Kitchener, 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 Kitchener home.

You’ll be protected and have peace of mind with home insurance in Kitchener.

5 Reasons why you need tenant insurance in Ottawa

What do I need to know about business insurance in Kitchener, Ontario?

1. Commercial General Liability (CGL) insurance: If a customer slips and falls at your business’s premises, or a customer’s property is damaged, you may be found legally responsible. It also helps protect you against allegations of false advertising, and libel or slander. Without CGL insurance, you would be responsible for paying any liability costs out of your own pocket. 

2. Commercial Property Insurance: This type of insurance keeps your small business protected from property losses, such as theft, fire, or vandalism. You can also add earthquake insurance, sewer backup or flood coverage extensions to protect your business.

3. Commercial Auto Insurance: A small business should have commercial auto coverage as part of your insurance package. Personal car policies will not cover you or any employees.

4. Cyber Liability Insurance: If you use computers for any purpose in your business, you could be at risk of a cyberattack or data breach. These attacks can have crippling consequences for your business, both financial and reputational.

Learn more about Cyber Liability Insurance

What do I need to know about boat insurance in Kitchener, Ontario?

When you get Ontario boat insurance, it protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items.

Without boat insurance in Ontario, you will be responsible for paying out of pocket for any lawsuits or legal fees, damages to another person’s boat, and uninsured medical costs. While boat insurance isn’t legally required in Ontario, can you afford to be without it?

Your lender may require that your Ontario boat has insurance and many marinas require liability insurance for mooring and docking.

How much boat liability insurance is needed in Ontario?

It’s recommended that you have $3 million or more in boat liability insurance coverage as part of your marine insurance policy to protect yourself as an Ontario boat owner. It helps cover such things as legal fees and uninsured medical bills, which are expensive without boat insurance.

How much is boat insurance in ON?

Boat insurance in Ontario can typically cost between $300 and $1,000 a year for most recreational boat owners. It can also range from $250 to thousands of dollars yearly, depending on factors like the value of your boat, its age, past claims, and where you boat. The cost of boat insurance is usually around 1.5% of your boat's value. For example, a $20,000 boat in Ontario may cost around $300 to insure annually.

What questions do I need to answer to get Ontario boat insurance?

When you’re getting marine insurance in (city), your Ontario boat insurance expert will typically ask you to provide details about your boat including its age, value, length, type of motor, and any safety features you’ve installed. Information about your personal claims history may also be required.

What are the 3 main types of boat insurance in Ontario?

Liability insurance

Liability insurance helps financially protect you if you are responsible for causing injury or death to others or damaging someone else’s property while operating your Ontario boat. It’s designed to protect you against lawsuits related to incidents for which you are legally responsible when operating your boat. $3 million is the recommended amount in liability insurance.

All-risk Ontario boat insurance

All-risk marine insurance provides broad protection for your Ontario boat by covering any loss or damage unless it’s specifically excluded in your boat insurance policy. This makes it the most comprehensive type of marine coverage available for recreational boats in Ontario.

Hull and machinery (Property/Collision Coverage)

Hull and machinery insurance protects against physical damage to your Ontario boat, including collision with other boats or objects, and may also cover equipment attached to the boat.

Your Trusted Insurance Broker in Kitchener, Ontario

     

14 years of service....not one problem. Thanks guys!

Anthony G.

     

I have been a client for many years. I have always received courteous, professional and diligent service. Recently, Nancy Clark and Simran Kaur went out of their way on two weekends and after hours, to help facilitate my auto insurance transition when the car dealership made several errors and caused delays. Never once did these wonderful ladies make me feel as though I was inconveniencing them, I felt taken care of and supported. Highly recommend!!

Toni K.

     

I been with DMW/Western for 20 years and I am satisfied for their service

Abner V.

Broker Information

Kitchener, Ontario

Reviews: 5.0

Contact Branch
647-805-3662
kitchener@westernfg.ca

Location
121 Charles St W C327, Kitchener, ON N2G 1H6

Hours

Mon-Fri: 8:30am - 4:30pm