Skip to content
PC Insurance
Sign in
< Blog
Buying insurance

4 reasons to use a broker to buy insurance

Insurance brokers advise and arrange insurance from companies selling it. Professional sales people in a complicated industry, they work on behalf of their clients - you - not the insurance companies. An insurance brokerage is a company full of brokers and, cards on the table here , PC® Insurance is a brokerage. Here are 3 comprehensive reasons to use any broker when buying home and auto insurance — plus 1 hard-to-ignore sweetener from PC® Insurance.

1. A professional insider’s knowledge to find the best combo for you
As with all important life decisions, it’s wise to work with an expert. Many of us might think of insurance once a year when our renewals come due. But brokers are immersed in insurance every day. Canadian home and auto insurance are government-regulated industries. And to practice here, insurance brokers must be licensed. They’re experts.
They have an insider’s access to big insurance companies. They shop around for the best value for you in insurance, comparing combinations of coverage, options, limitations, and quotes. So, you don’t have to.
However, working for you, a broker also adapts and tailors insurance packages to suit your specific needs. Customization. Your broker saves time finding the right insurance policy at the best price. And being insiders working for you, they can explain the jargon while ensuring you’re not paying for unnecessary extras.
Bottom line? A broker will work to help you find the best coverage for your needs and budget.

2. Ongoing help, alert to changes in your life
A broker is there to support you even after you’ve signed and started paying premiums. Talk to them whenever there’s a change in your life that may affect your insurance.
For home insurance, that could be something as big as renovating the basement to create a separate apartment, or simple as installing a security system. An example for auto insurance? A change in jobs could mean a major change in your commute. Or maybe you’ve paid off car loans and no longer need certain extras.
A great time to consult with your broker about your changing needs is when your policy renews, but you can contact them anytime.

3: Expert help with claims (aka when you need help most)
In the event that you need to make a claim, think of the broker as your advocate or coach. It’s a stressful time, one when you might want to speak with a person on the phone. They steer you through the complicated processes, intervening with your insurance company, ensuring you get the compensation you deserve promptly.
Think you need to make a claim? PC® Insurance customer service is available 24 hours a day at 1 877 251-8656 . Our expert staff can talk you through your incident and make the whole process easier.

4: Discounts and PC Optimum™ points, extra thank-yous for your business
PC Optimum members can save up to 35% when they bundle their home and auto insurance and combine it with other available discounts. Plus, you can earn up to 2x the regular PC Optimum™ points1 for every dollar, when you pay your premium with your PC® Mastercard®. It’s not just another reason to choose a broker, it’s our thank-you for trusting PC® Insurance to broker your insurance.
Get a quote for your home and auto insurance today.

General information not about PC® Insurance home and auto coverage is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for and should not be construed as the advice of an experienced professional. PC® Insurance does not guarantee the currency, accuracy, applicability or completeness of this content.
By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® Insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies.
All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit for details and full store list.

Related Articles

Save with PC Insurance. Get an online quote in minutes.