Home Insurance Mississauga
Ambroziak & Rao: Home Insurance Brokers in Mississauga
The Ambroziak & Rao team have been insuring the homes of Mississauga residents since our inception in 2009. Some of the home insurance products we offer are:
- Homeowners
- Condo
- Rental / Investment Properties
- Tenant / Renters
- Cottage
Being a top rated Mississauga insurance brokerage for many years, we understand the coverage requirements and the challenges that come with insuring homes. Our brokers will always do everything they can to secure the right coverage at the right price.
Visit our office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2 or call us at 905 366 0066.
Getting the best home insurance rates in Mississauga
At Ambroziak & Rao Insurance Brokers, we want our clients to have great property coverage at a great price.
We understand that customers want the best premium, but what many don’t know is the many different coverage options that exist in a home insurance policy. We encourage our clients to look for the best “value“, not just the best “price“
For this reason, we always recommend comparing coverages line by line instead of just looking for the lowest price on your home insurance.
That said, there are universal home insurance discounts that clients can target. Some of them include:
- Bundle Discount. When pairing your home insurance with an auto insurance policy in the same company, you will be eligible for a sizeable discount.
- Claims Free. If you don’t have any claims on your policy, you will be rewarded with a better rate.
- Mortgage Free. If you pay off your homes mortgage, you will be eligible for a small discount.
There are many more unique discounts that can be applied in certain situations and for that reason, its best to get in touch with your insurance broker.
Visit us at our Mississauga address or call us for a chat: 905 366 0066.
“Our Mississauga Home Insurance Brokers are ready to help!”
Home Insurance In Mississauga
Your local Home Insurance Brokers
Ambroziak & Rao Insurance Brokers have been insuring properties all over Mississauga from the very day our company was founded in 2009. We chose Mississauga as our primary city to work in because of the diversity the city offers and the fantastic business communities.
We have clients from all walks of life, ones who traveled halfway across the world to plant roots in Mississauga and proudly call this city home. We appreciate the sacrifices many have done to be here and understand them as well. Our team live, work and in some cases, were born here!
We know the homes of Mississauga. We drive by many beautiful homes on Lakeshore Rd W or down Indian Rr close by. We also enjoy the annual Bread and Honey festival in Streetsville and sometimes buy a Shawarma from one of the original Osmow’s locations there.
If you are looking for any type of property insurance quote, you can visit our Mississauga office or call us at 905 366 0066 and one of our senior insurance brokers will be happy to help!
Important Coverage Options For Your Mississauga Home Insurance Policy
For most pople, their home is their largest and most important physical asset.
Mississauga homes now cost hundreds of thousands of dollars and the last thing you want is to lose that in an unfortunate situation. We are lucky to live in a society where home insurance is an option and should a tragic incident happen, the insurer will help you back on your feet.
With that said, it is very important that you select the best coverage options for you. Some of those options include:
- Sewer Backup Coverage. This will covers your home in the event that water backs up from the sewers and enters your home. This is an optional coverage and you need to request it. It does not automatically come with your policy. You must also choose your coverage limit such as $10,000, $50,000 or the full policy limit. This is one of the most common claims. Speak to your broker for more information.
- Overland Water. This coverage is activated if water enters your home through windows or doors. This is also not automatically added to your policy and needs to be requested. Limits can be chosen and not all homes qualify for this coverage.
- Earthquake Coverage. Not all companies will offer this coverage, but you must request it if you would like to add it to your policy.
- Jewelry Floaters. Every policy will offer some jewelry coverage (Ex $500 worth of coverage). If you own an expensive piece of jewelry such as a Rolex or Omega watch, you would need to add it to your policy. A recent appraisal is required.
When insuring your Mississauga home, its best to speak with a licensed insurance broker who knows the neighborhood and understands your unique requirements. Please call our office at 905 366 0066.
Ambroziak & Rao Insurance Brokers Reviews
Frequently Asked Questions
We are more than happy to answer any and all of your Mississauga home/ property insurance related questions. Speak to one of our licensed home insurance brokers today!
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Many older homes in Mississauga neighborhoods such as Meadowvale and Clarkson have aluminum wiring. Although not ideal, it is possible to find home insurance. It may be more expensive than updated copper wiring, but there are insurance companies that will accept it.
In some cases, they will require a recent inspection done by a licensed ESA electrician.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
The first step before creating an insurance policy is creating a quote. One of our experienced Mississauga insurance brokers will happily help you get competitive quotes from that largest insurance carriers in Canada.
Once a quote is completed and you are happy with the coverage and price, our team will create the applications, confirm your requirements and send the applications over to your email for e-signing.
Once signed, our team will review the policy and issue it with the insurance company.
Making changes to your home insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
Home insurance is optional unless you currently have a mortgage that you are paying off. Your mortgage company will require a policy to be active at all times with their specific requirements.
If your mortgage company has any specific requirements, feel free to email them to us for review: [email protected].
Many insurance policies do not allow for larger renovations especially structural changes. If you will be doing major renovations in your home, its recommended that you contact your insurance brokers as you may require a Builders Risk insurance policy.
Small renovations such as painting or changing the floors are generally accepted. Its always advisable that your review the insurance policy of your general contractor to ensure he/she is currently and adequately insured.
If you are happy with your coverage options and amounts, but want to reduce your price a little more, you can choose higher deductibles.
Many standard property insurance policies come with a $1000 or $2500 deductible. This means that the first $1000 or $2500 of the claims is covered by you.
You can choose to increase it to $5,000 or $10,000 which will reduce your monthly premium.
Home insurance claims are generally charged for 5 years. IF the claim happened over 5 years ago, you won’t have an issue finding a new policy.
If the claim happened within 5 years, it may be tougher to find a policy at a low price but its certainly possible.
Reach out to one of our senior insurance brokers at 905 366 0066.
Most insurance companies require that a roof be updated every 20-25 years. Some will not insure you if your roof has not been updated.
Home insurance companies generally do not cover seepage. Seepage is a maintenance issue and the clients responsibility to keep updated.
Insurance is for sudden and unexpected incidents. The only possible coverage would be under Ground Water optional coverage (see below).
A client is still required to keep their home maintained and do their best to prevent possible claims.
Ground water is an optional coverage just like sewer backup or overland water. It covers the home where water enters through the foundation or basement walls and floors due to rising water from heavy rainfall or rising water tables.
Contact your broker if you are interested in this coverage as some companies do not offer this coverage in certain areas.
Mississauga Home Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
250 Dundas St W Suite 408 Mississauga ON L5B 1J2