Best Insurance Broker in Kingston Ontario
Insurance Broker Kingston Ontario
With years of experience in the insurance industry, Levitt Insurance Brokers provides straightforward, transparent insurance solutions tailored to the unique needs of our customers. Our objective is to assist you in protecting what is most important to you while doing so effectively, speedily, and with minimal hassle. From auto insurance to home, travel, and commercial, Levitt Insurance Brokers is your go-to insurance provider.
Kingston Ontario which has a population coming close to 600,000 — has been steadily increasing for years. It’s a flourishing urban community with deep historical roots. The city is halfway between Toronto and Montreal and close to Ottawa, which makes it a great stop gap for travellers.
This thriving city boasts of some of the best scenic lands that the province of Ontario has to offer. Kingston is safe, clean, easy to navigate and has been touted as one of the most ideal municipalities in which to raise a family or in which to retire. Many people don’t know this, but Kingston was actually Canada’s first capital.
Kingston attracts thousands of tourists each year who come, in part, to visit its treasured and protected historical sites.
If you’re a resident looking for insurance in Kingston Ontario — whether that might be for your vehicle(s), home, business or even for travel — you have found the right place.
In mere seconds, you can obtain online quotes at Levitt Insurance Brokers for various types of insurance including home insurance, auto insurance or commercial business.
Home Insurance in Kingston
Your home is your castle. At Levitt we understand that. We know how important it is for you to protect your home and its contents. Your lifestyle is unique. That is why we never take a one-size-fits-all approach to home insurance coverage.
We work with leading insurers across Ontario to get you the coverage package you need whether you’re living in a single family home, a condominium or a townhome.
We know that buying house insurance can be a little daunting, but we’re here to answer all your questions and will work to see that you reap the benefits of our years of experience in the insurance industry. We’re not happy until you get the policy that is the right fit for you.
The things that are most important to you — your family, your home, your personal assets — will be protected by a policy tailored to your needs.
Car And Auto Insurance in Kingston
Levitt Insurance Brokers in Kingston is one of the leading and most well-respected auto insurance companies in the province. Part of the reason for that is the understanding we have of our clients.
We know that your vehicle is an investment — one which you want to protect. Having the right auto insurance coverage not only protects your vehicle, but protects you against unforeseen events like accidents and injuries.
When you choose Levitt as your insurance company for your car insurance needs, you know you’re on the quickest road to getting the insurance coverage you need as soon as possible. In fact, all you have to do is enter a few things online, click and you’ll have your quote in no time.
Your auto insurance policy can be expensive depending on your particular circumstances. There are many things insurers take into consideration when you apply for car insurance. These can include:
- Number of accidents you’ve had;
- Your driving history;
- Your age and gender;
- The type and age of your vehicle(s) being insured;
- Whether you’re driving for personal or business reasons;
- Your driving activity;
- Time you spend driving;
- Where you live;
- Your general driving behaviours.
We work with leading and trusted car insurance companies, and we will go to work for you to get you the best quote possible. We have many types of drivers as clients: drivers new to the country and without local driving experience; young drivers; experienced drivers; drivers who have had tickets and drivers who have been involved in accidents.
We also offer auto insurance for other motorized vehicles: those used for business and commercial ventures, motorcycles, sports cars and buses, to name a few.
Landlord And Tenant Insurance
Whether you’re an investment property owner looking to protect your investment(s) or a renter who wants to make sure your possessions in the home, condo or apartment you’re renting or leasing are protected, there are high quality insurance products to meet your needs.
At Levitt, we offer tailored insurance packages to both owners/landlords and renters. We can help you whether you need protection for your furnishings, electronics and other belongings in a rental property or whether you are a landlord looking to protect the rental property itself.
No matter which ends you’re on, at Levitt you can compare multiple quotes from leading insurers in the blink of an eye. Just click, compare and choose what’s right for you. It’s that simple.
Business Insurance
You have worked hard at starting and/or building your business. Protecting that asset along with protecting your customers is a necessary consideration.
At Levitt, you can get quotes from multiple commercial insurance providers in minutes. Without hassles or headaches, you can compare those quotes to choose the policy that fits your needs.
As a small business owner, you’re in a unique situation. Your business has more specific requirements, needs and challenges than others. Business insurance needs to be tailored to what you do and at Levitt, we will ensure your business insurance coverage fits your situation like a glove.
We have helped business owners fashion ideal business and liability insurance policies for decades. At Levitt Insurance Brokers we make your commercial insurance queries and choices stress-free so you can concentrate on what matters — your business.
We can also fulfill other commercial insurance coverage needs such as for trucks and vans, contractors and for travel.
How To Save Money On Insurance In Kingston
Insurance can be expensive. Luckily, Levitt is here to ensure you never spend more than you have to on insurance. Whether you’re looking for auto insurance, home insurance, tenant insurance, or business insurance, we can help you find great coverage at an affordable rate. To help you save even more money on Kingston insurance, we’ve compiled a list of tips. Check them out below.
Increase your deductible: The first way you can save money on Kingston insurance is by increasing your deductible. Whether you’re looking to buy home insurance, auto insurance, or business insurance, increasing your deductible is likely to decrease your overall premium. Keep in mind that a deductible is the amount of money you are responsible for paying toward an insured loss. Therefore, you should only increase your deductible to an amount you could afford to pay in the event of a loss. As such, before raising your deductible, we recommend contacting a Levitt insurance broker who can explain the impact of increasing your deductible and ultimately help you decide whether doing so makes sense for you.
Pay for your policy annually: Another way to minimize how much you spend on insurance is by paying for your policy annually. Though many insurance companies will give you the option of paying for a policy monthly or annually, the latter is usually cheaper than the former. Why? Since insurers often charge administrative fees for every payment. Therefore, the fewer payments you make, the less expensive your policy will be.
Bundle insurance policies: Our next tip for saving money on Kingston insurance is to bundle multiple insurance policies together. Many insurers offer a discount to customers who purchase more than one policy from them. Whether you want to insure two vehicles in your household at the same time, or you’re looking to purchase home insurance in addition to auto insurance or business insurance, buying them from the same provider could result in savings of up to 15% per policy.
Install winter tires on your vehicle: Another money-saving tip that relates to car insurance specifically is to install winter tires on your car. Many Ontario insurance companies offer discounts to drivers who outfit their vehicles with winter tires. This is because insurance companies reward safety, and equipping your car with snow tires makes driving safer during the wintertime. However, it’s worth noting that insurance companies often have specific conditions that must be met to qualify for the snow tire discount. For example, you might have to purchase the same model of tire for all four tires and there may be specific dates that the tires must be installed and kept on. Contact Levitt to learn more about winter tire car insurance discounts in Kingston.
Purchase a hybrid or electric vehicle: One final tip that also relates to auto insurance is to buy a hybrid or electric vehicle. Many Ontario insurance providers now offer discounts to drivers who drive eco-friendly vehicles. It is a way of incentivizing residents to go green and reduce their carbon footprints. So if you’re thinking of buying a new car or you currently drive an EV, make sure to inform your insurance broker. Doing so could save you as much as 10% on auto insurance.
Get The Answers To All Your Insurance Questions
We know choosing the right insurance plans isn’t easy. It can often be complex and confusing to know exactly what your needs are. At Levitt Insurance Brokers in Kingston, we will help you to decipher those needs.
You might wonder what kind of coverage you need or have questions about deductibles or liability. You will have peace of mind knowing we can answer your questions regarding any insurance coverage and get you the best protection and products possible.
Why Work With A Levitt Insurance Broker
When you purchase insurance, most Kingston residents have the option of buying it directly through an insurance company or via an insurance broker. The latter offers plenty of benefits, such as superior customer service, convenience, and savings. Ultimately, Levitt is a full-service insurance brokerage that makes shopping for Kingston insurance easier than ever before. Learn more about the perks of working with a Levitt insurance broker below.
Convenience: One of the first perks of working with a Levitt insurance broker is convenience. Brokers do the work for you, meaning from the moment you contact us, we will take the time to understand your needs, shop around on your behalf, compare quotes, and unlock discounts. If you want a hassle-free insurance experience, look no further than Levitt.
Expertise and resources: A second reason to work with a Levitt insurance broker is our unparalleled expertise and resources. Our insurance brokers are all fully licenced, with years of experience helping Kingston residents just like you. We are eager to share our resources and expertise to help you find a great policy.
Superior customer service: Finally, Levitt offers a superior customer service experience. Since we operate independently of insurance companies, we always prioritize the customer’s needs. Make Levitt your go-to destination for all things insurance, and you can rest easy knowing you’re benefiting from our objective, unbiased advice.
Levitt Insurance Brokers Is There For You
At Levitt Insurance Brokers, we take the angst out of choosing insurance packages that fit you. We want you to know that with us you don’t have to jump through hoops to get the best insurance coverage possible.
To find out how simple insurance can be, let your computer mouse do the clicking and get some quotes from us today.
Work with Levitt Insurance Brokers in Kingston Today
Whether home, car, commercial, or travel, the professional and experienced insurance team at Levitt Insurance Brokers is able to craft comprehensive insurance policies that reflect your unique needs as a client.
We work with leading insurance companies across Canada at Levitt Insurance Brokers to ensure that each customer receives the ideal insurance plan for their individual needs. There is nothing like a one-size-fits-all insurance solution. Your needs are as distinctive as yours, and we not only recognize this but also strive to design items that meet your specific needs. When you work with the Levitt Insurance Broker team, you can rest assured that your requirements and self-interests are at the frontline of everything we do.
Are you ready to get your insurance quote in Ontario? It only takes a few moments to begin saving money without having to sacrifice crucial coverage. Request a quotation right now! We are very excited to provide you with the insurance solutions you seek!
Frequently Asked Questions
How much will it cost to be insured?
All insurance policies are different. And the reality is, everyone pays a different fee to be insured. In fact, there are numerous factors that any insurance company will take into account before calculating what a customer will need to pay to be adequately insured. As such, we've put together a list of some elements that will ultimately influence what you will pay when it comes to insurance:
- The type of insurance policy you want to purchase
- What is being insured and the value of it
- Coverage limits and deductibles
- The type of coverage, such as comprehensive, liability, or something else
- Which Ontario neighbourhood do you live in
- How old is your home/building/business/vehicle is
- How long you've been living in your home, have you been in business, or have you been driving for
- Whether you have any previous claims and past insurance history
As you see, calculating an insurance quote is more complex than it may appear. However, when you choose to partner with the insurance brokers at Levitt, you can rest assured that we will go above and beyond to ensure you feel confident in the end result of your experience with us.
How much liability coverage do you need?
The amount of liability coverage you need varies based on several factors, including your assets, financial situation, and potential liability risks. As a general rule, experts recommend carrying liability insurance coverage equal to at least the value of your assets. In some cases, higher liability limits may be necessary to fully protect your financial well-being. Keep in mind that while higher liability coverage can provide more protection, it also typically results in higher insurance premiums.
What payment options are offered?
When it comes to insurance, customers are offered multiple payment choices that fit their needs. Here is a closer look at the payment options provided by Levitt Insurance Brokers in Ontario:
- Automatically pay each month: If making monthly payments is something you tend to forget, Levitt Insurance Brokers can set up pre-authorizations that get deducted directly from your bank account each month.
- Pay online: Customers are able to pay using their credit cards and visa debits online.
- One down payment: In order to save money, customers can pay for their insurance using one lump sum payment to cover the entire year.
- Use a mail-in cheque: The final payment option available to customers who partner with us is to use a mail-in cheque for the amount of your monthly bill.
Furthermore, if you’re looking to save money on your insurance, consider bundling your home, auto, and other insurance policies for discounts! You may also be eligible to save money on your insurance policies depending on your claims history. For further information on insurance payments, make sure to reach out to the insurance broker team at Levitt Insurance Brokers in Ontario today!
When should you ask your insurance broker about your deductible and ensure it works within your financial situation?
A deductible is a predetermined amount that you are required to pay toward a claim before your insurance policy starts to cover the expenses. For instance, if you have a $500 deductible and a $1,000 covered claim, you will pay the first $500, and your insurance will cover the rest. Deductibles are intended to lower insurance costs by shifting some financial liability to the insured person. The lesser the monthly insurance premium, the higher the deductible.
When purchasing a new policy or when it is time to renew your current insurance policy, you will have the opportunity of choosing your deductible amount. When changing your insurance deductible, you have the chance to select a higher or lower deductible amount. Choosing a higher deductible means that you will pay more out-of-pocket in the event of a claim, but your monthly premium will be lower. Conversely, selecting a lower deductible means that you will pay less out-of-pocket in the event of a claim, but your monthly premium will be higher.
As such, if your financial situation has changed, typically, you will need to wait until it is time to renew your policy. However, depending on the insurance product and the company you have your policies with, you may be able to change your deductible amount before you are up for renewal. With that being said, you may be charged a service fee for doing so. Therefore, the best thing you can do is to reach out to your insurance company and speak with them directly to determine what the best options are for you and your financial situation moving forward.
What is the difference between an insurance broker and an insurance agent?
While the titles insurance broker and insurance agent get used interchangeably, there is actually a difference between the two that many customers may need to be made aware of. Essentially, insurance brokers work independently and provide advice and insurance solutions to clients from multiple insurance companies, while insurance agents represent a single insurance company and sell its products. Brokers are often considered more client-focused, as they work to find the best coverage for the client's needs and budget rather than solely promoting the products of one company. As such, when working with an insurance broker, you can be confident that they are working in your best interests rather than attempting to sell their company's products that may not reflect your needs.
Agents, on the other hand, have a more limited product range as they only have access to the policies sold by the company they work for. Furthermore, there is a myth that customers must pay their insurance broker directly for their services. However, this is false! Insurance brokers earn a small percentage from the insurance company, and customers will never need to pay their broker directly.
Benefits of working with an insurance broker include:
- Offers a broader range of insurance options: Brokers can provide clients with quotes from multiple insurance companies, allowing them to compare coverage, price, and benefits.
- Independent advice: Brokers are not tied to any one insurance company and can provide objective advice and guidance on insurance options.
- Negotiates on behalf of the client: Brokers work to secure the best possible coverage and rates for their clients.
- Saves time: Clients can avoid the time and effort of contacting multiple insurance companies and comparing quotes by working with a broker.
In contrast, the benefits of partnering directly with an insurance company include the following:
- More knowledge of insurance products: Because insurance agents work with the same products every day, it's possible they have more knowledge about the insurance options available to them.
- Able to compare insurance quotes: Most insurance agents are still able to provide you with price comparisons on insurance policies, so you have a better idea about what you are purchasing beforehand.
Ultimately, the choice between a broker and an agent comes down to the client's needs and preferences.
