Insurance Broker Hamilton
Contact a Hamilton insurance broker and get quotes from Canada's largest insurance companies. Call / text Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
Hamilton Insurance Quote
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Benefits of an Insurance Broker
Hamilton Insurance Broker
Hamilton is one of the most scenic cities in all of Ontario. Don’t believe us? Take a hike…at Albion Falls or Tiffany Falls Conservation Area! You will see a few of the many stunning waterfalls Hamilton has to offer. With it’s stunning parks and trails, Hamilton has become home to many people and is constantly growing at a fast rate. This has caused a surge in insurance claims making premiums more and more expensive.
Hamilton has been a rapidly growing city for very good reasons. Being close to the water, many job openings and in many cases affordable housing, Hamilton has been ideal for young families.
Insurance Rates in Hamilton and where they are heading
Hamilton insurance rates have been on the rise, just like the majority of cities in Ontario. The one upside is that when comparing Hamilton to other cities in the GTA, it certainly has much better rates.
Insurance premiums will unfortunately continue to climb as the city grows and with inflation as it currently is. Home repairs and auto parts have become very expensive which translates to higher insurance costs.
Claim are also increasing in both frequency and cost. Fixing a vehicle is not as cheap as it used to be. A simple fender bender can cost insurance companies tens of thousands of dollars to replace.
How to Keep Your Insurance Rates Low
Although premiums are continuing to rise, there are ways to keep your insurance policies more affordable.
- Ensure you have all the eligible discounts. This includes winter tires, claims free, multi-policy, multi vehicle and many more.
- Shop the market. Speak to a broker who will assist you in checking multiple insurance companies to see which one offers you the best rates.
- Maintain a good record. Stay away from tickets and do your best to avoid accidents. Never miss an insurance payment as that can increase your insurance costs.
Insurance Rate Cycles
Insurance as an industry is cyclical. Rates change every several years but generally go in a big circle. Today, one company may offer the best insurance rates in Hamilton and in five years they may be one of the most expensive due to their claims ratio. For this reason, its a great idea to have your broker recheck your policies every several years to ensure you are up to date.
Since an insurance broker has access to many insurance companies, if one company has extreme rate increases, its very simple to be moved to a new insurance company.
Insurance Expertise
An insurance broker is a great source for any insurance information.
If you have any insurance related questions or need a quote, feel free to call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
Which Hamilton Neighborhoods have the best rates?
As mentioned previously, Hamilton insurance rates have been rising. When choosing here to live in Hamilton, knowing where insurance is cheapest or most expensive can be helpful.
Industrial Sector and the North End: These are dense and busier areas which naturally result in more claims. Homes here also are older with out dated knob and tube wiring which home insurers aren’t happy with.
Central Hamilton and Downtown: Areas such as Corktown, Stinson and Central have a lot more crimes than average. Lots of break in and vandalism occur here. Homes can be prestigious in areas like Durand and Kirkendall but they are aged and can be very expensive to insure.
Rosedale: Neighborhoods such as West Delta and Blakeley have higher than average premiums as well. Areas here also lack newer drainage systems in homes so the chances of a sewer backup claim increase.
Ancaster: This is a beautiful area with more luxurious homes and lower crime rates. Home insurance can be high since the price to rebuild these homes is higher as well. Car insurance tends to be better than average.
Dundas: This is one of the cheaper areas for insurance thanks to low crime rates and lower density. Homes also have low flood risks making their premiums competitive.
West Albion Falls: Another low density area with wide roads. Premiums here are very good compared to the rest of Hamilton.
Mountain Side (Above The Escarpment): in general, if you were to move from the lower part of Hamilton to above the mountain, you can save 10-15% on your insurance since your flood risk drops drastically.
Filip Ambroziak's Reviews
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How An Insurance Broker Can Get The Best Insurance Rates In Hamilton
Keep these tips in mind when purchasing an insurance policy.
01
Multiple Companies
As an insurance broker, we have access to many insurance companies and check the best rates for you.
02
Coverage
Insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.
03
Discounts
As experienced insurance brokers, we know the discounts that each unique company offers.
It's Quick and Simple!
Why Work With an Insurance Broker?
Working with an insurance has several benefits from simplicity, convenience and coverage options. But one of the most important benefits is access to insurance companies that the public will not have access to. Its always a good idea to find an insurance broker familiar with your area (Hamilton) as they will be able to offered tailored insurance solutions.
Major insurance companies will not offer policies to customers without a broker. They want customer to ensure they understand all coverage options and a broker is the best source for that.
To speak with an insurance broker, please call or text Filip Ambroziak at 416 803 2113.
Benefits of Working With Filip Ambroziak
Benefits of Working With a Hamilton Insurance Broker
Filip Ambroziak has been insuring Hamilton residents for over a decade. As a RIBO (Registered Insurance Brokers of Ontario) and LLQP (Life License Qualification Program) licensed insurance broker, he can offer auto, home, investment property, tenant, commercial, travel and life insurance products. Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca.
Same Day Policies
Hamilton Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through a broker.
Have Multiple Policies through one Broker
One of the biggest benefits of working with a Hamilton insurance broker is having all your insurance policies in one place. We offer Auto, Home, investment property, Commercial, Travel, Life insurance and many more!
Request an Insurance Quote
- Serving Hamilton and surrounding areas!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
Frequently Asked Questions
When comparing to cities such as Mississauga, Brampton and Toronto, Hamilton has fantastic rates. In some cases they can be half the price that companies charge for auto insurance.
Home insurance can be more expensive if you live in a high flood area.
When insurance brokers say “full coverage” what they mean is the standard liability insurance along with collision and comprehensive coverage. In short, that is the coverage that covers damages to your own vehicle should an accident be your fault. There is usually a $500 or $1000 deductible applied.
Collision and comprehensive insurance is not legally required to drive in Ontario. Third Party Liability is mandatory.
If you are purchasing a vehicle and financing it, finance companies will require that the car is insured with “full coverage” in order to get the loan.
Yes, Filip Ambroziak is a RIBO (Registered Insurance Brokers of Ontario) licensed Insurance Broker. His License is 39091 and can be searched here.Toggle Content
As RIBO licensed insurance brokers, we are able to service all areas in Hamilton including: Ancaster, Stoney Creek, Fruitland, Dundas, Mount Hope, Copetown, Albion Falls, Hannon and Bingbrook.