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Car and home insurance in
Richmond Hill, Ontario

Welcome to your Western Financial Group Richmond Hill insurance brokerage. Whether you’re looking for car and truck insurance, home insurance, business insurance, motorcycle insurance or boat insurance, we’re your licensed experts in Richmond Hill, Ontario.

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Call 905-731-3118

Reviews:

Location: 95 Mural St Suite 205, Richmond Hill, ON L4B 3G2

Hours:

Mon-Fri: 9:00am - 5:00pm
Sat: Closed 
Sun: Closed

Email: Richmond.Hill@westernfg.ca

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Reviews:

Location: 95 Mural St Suite 205, Richmond Hill, ON L4B 3G2

Hours:

Mon-Fri: 9:00am - 5:00pm
Sat: Closed 
Sun: Closed

Email: Richmond.Hill@westernfg.ca

toronto skyline

Welcome to your Western Financial Group Richmond Hill insurance brokerage. Whether you’re looking for car and truck insurance, home insurance, business insurance, motorcycle insurance or boat insurance, we’re your licensed experts in Richmond Hill, Ontario.

Look no further if you’re needing car and truck insurance today.

The city of Richmond Hill, Ontario is located in the York region and is part of the Greater Toronto Area.

Your Richmond Hill branch offers car and truck insurance, home insurance, business insurance, motorcycle insurance and boat insurance. We access many other products as well.

We’re home to the largest optical telescope in Canada at the David Dunlap Observatory, the state-of-the-art Richmond Hill Centre for the Performing Arts as well as the Richmond Hill Heritage Centre.

A supporter of our Western Communities Foundation, we assist young leaders via student bursaries, support infrastructure projects and help communities in times of crisis.

Look no further if you’re needing car and truck insurance, home insurance and business insurance. Let our experts be your trusted source for motorcycle insurance and boat insurance.

We have been dedicated to helping you find the right insurance in Richmond Hill, Ontario for 30 years.

At our Richmond Hill brokerage, we have competitive rates and outstanding customer service. We’ll help you customize a policy that fits your needs today and as they change.

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 Richmond Hill, 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.

5 Questions about mandatory car insurance in Ontario

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

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

5 Reasons why you need tenant insurance in Ottawa

Setting the Standard in Insurance Broker Service

     

Jay is amazing and patient to help me you with all the questions I asked. Thank you for making the service so smooth!

Robel M.

     

Janice was awesome. Friendly and efficient. Informative and clear.
She did a lot of legwork, where other insurance agents, and agencies, just handed me some papers and told me to come back. She also saved me a fair chunk of change, even though, again, other agencies told me I had the minimum I had requested.

Anthony

     

I went there for a car insurance renewal and had a positive experience with Claire Chen. She was
knowledgeable, and responsive, and helped me find the right coverage at a competitive price. I appreciate their professionalism and would recommend them for their excellent service.

Steven R.