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Car and home insurance in
Kitchener, Ontario

As your local Ontario insurance brokers, we offer car and truck insurance, home insurance, business insurance, and life insurance. We have access to many other superior insurance products. Let our insurance experts be your trusted source for personal and business insurance.

We are dedicated to helping you find the right insurance in Kitchener, Ontario.

Reviews: 5.0

Contact Branch: 647-805-3662

Email: kitchener@westernfg.ca

Location: 121 Charles St W C327, Kitchener, ON N2G 1H7

Hours:

Mon-Fri: 8:30am - 4:30pm
Sat: Closed 
Sun: Closed

Get an Insurance Quote Now!

Reviews: 5.0

Contact Branch: 647-805-3662

Email: kitchener@westernfg.ca

Location: 121 Charles St W C327, Kitchener, ON N2G 1H7

Hours:

Mon-Fri: 8:30am - 4:30pm
Sat: Closed 
Sun: Closed

Why Choose Western?

  • Save Time - Let us simplify your insurance experience. We do the work for you!
  • Expert Advice - Our insurance experts provide personalized coverage plans for your needs.
  • Best Value - We search for the best insurance rates, so you don’t have to.

Get an Insurance Quote Today

As your local Ontario insurance brokers, we offer car and truck insurance, home insurance, business insurance, and life insurance. We have access to many other superior insurance products. Let our insurance experts be your trusted source for personal and business insurance.

We are dedicated to helping you find the right insurance in Kitchener, Ontario.

Look no further if you’re needing home insurance, business insurance, or car insurance today.

Commonly asked questions about insurance in Kitchener, Ontario:

What types of insurance coverage do I need for my home in Kitchener?

Homeowners in Kitchener typically require insurance coverage for their dwelling, personal property, liability protection, and additional coverage for risks such as water damage and sewer backup. See what impacts home insurance costs in Kitchener.

How much does car insurance cost in Kitchener?

The cost of car insurance in Kitchener depends on various factors including driving history, vehicle type, coverage limits, and deductible amounts. Residents can obtain personalized quotes from our insurance experts here at Western to determine their specific costs and save.

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?

What insurance coverage is required for businesses in Kitchener?

Businesses in Kitchener typically need various types of insurance coverage including commercial property insurance, general liability insurance, business interruption insurance, and coverage for specific risks related to their industry.

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 does insurance coverage work for rental properties in Kitchener?

Landlords in Kitchener should consider landlord insurance, which typically includes coverage for the rental property structure, liability protection, and loss of rental income due to covered perils such as fire or vandalism.

What options are available for health insurance coverage in Kitchener?

Residents of Kitchener have access to various health insurance options including provincial health insurance through OHIP (Ontario Health Insurance Plan), private health insurance plans, and supplementary coverage for services not covered by OHIP. Talk to an insurance expert to make sure you're covered.

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.

What factors can affect my home insurance premiums in Kitchener?

Several factors can influence insurance premiums for homeowners in Kitchener including the location of the property, its proximity to fire hydrants and emergency services, the age and condition of the property, the insured's claims history, and the desired coverage limits and deductible amounts.

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. 

Insurance brokers find the best insurance package at the right price.

Our Insurance Brokers save you time and stress by hand-selecting the best insurance quotes across different providers to match your specific needs. After sourcing the top quotes, we will help you compare them, ensure you understand the terms and conditions, and select the right policy.

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!

Learn more about how insurance brokers compare rates across Canada

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

Setting the Standard in Insurance Broker Service

     

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.