Kanata Insurance Broker
Award-Winning Insurance Brokerage in Kanata
Whether you prefer to hang out in your new build or take a weekend trip to Montebello Resort, you need your toys and precious investments to have prime insurance protection. Wherever you live in Kanata, we have the optimal insurance coverage to give you peace of mind.
What are the Different Types of Insurance in Kanata?
At Sharp, we provide many categories of insurance that will match your everyday needs and extends to your long-term hopes.
We provide you with insurance in these areas:
- Home, renters, tenant Insurance
- Car, motorcycle, recreational vehicle insurance
- Small Business Insurance
- Commercial Insurance (General, property, professional liability)
- Construction Insurance
- Event Liability Insurance
- Travel Insurance Insurance
Find additional types of insurance that we offer:
Is Insurance Mandatory in Kanata?
While it’s mandatory to have car insurance to drive in Kanata, home insurance is a necessity. Consider life without adequate protection for your home and its contents.
If you live in the nation’s capital, you’re lucky enough to have access to entertainment, museums, and lots of green space. With lots of free activities, you can invest wisely in your home and toys.
But who do you talk to first? Sharp brokers have the knowledge and friendly demeanor to help you make those hard decisions about your settlement option to your deductible.
What Insurance coverage do I need in Kanata?
It’s no surprise that water damage is a common claim for homeowners. But what if you have a fire or hail damage that you’ve never experienced before? Our brokers are here to help you make major decisions about your insurance coverage that can save you money. Our experienced staff is happy to help you find the best match to cover your short and long-term insurance goals.
What are the Common Types of Business Insurance in Kanata?
Entrepreneurs will tell you that starting a business is both rewarding and full of unknowns. But what if you could be protected against unexpected occurrences. You’d sleep better at night. At Sharp, we want to give you the peace of mind you deserve. We help you protect the business you built from scratch. Let’s start with the basics.
7 Types of Business Insurance:
Professional Liability
This coverage helps you if you get sued and provides you with financial assistance.
Property Damage
This coverage protects you from losing money after a loss to your business property and items, including your furniture, computers, and other expensive items.
Commercial General Liability
If you unintentionally damage a visitor’s items or if they get hurt at your business, this insurance coverage will provide financial help.
Equipment Breakdown
Mechanical or electrical failures happen. This coverage helps you pay for repairs or replaces new equipment.
Business Interruption
If a flood causes your business to close, this coverage will help you pay for items, including staff salaries and the heating bills.
Cyber Liability
Cyberattack or data breach protection is available with this type of coverage.
Commercial Auto
This helps you pay for any damage to vehicles used for work purposes.
What Factors Impact your Kanata Insurance Rates?
It’s important to do your homework when it comes to your insurance rates. If you don’t ask for help, you may not find out you can save money in small ways that amount to big savings. There are myriad ways to save; some variables may apply to you while others won’t. If you lack time to do the detective work, one of our brokers will be happy to shop around for you.
9 Factors that affect your Kanata insurance rates:
- Policy limits
- Your insurance history
- Coverage level
- Deductible
- Your credit rating
- Your demographics
- The neighborhood you live in
- Your claims history
- Settlement options
What is a Loss Settlement Option?
A loss settlement option is the set amount your insurance company has agreed to pay you after an insured loss. But how is it calculated? There are 3 loss settlement options to choose from, depending on how much you want to pay and what coverage you need.
3 Loss Settlement Options:
Agreed Cash Value
Also called the “fair market value,” or the purchase price minus depreciation. Actual cash value generally has a lower premium than the replacement cost option.
Replacement Cost
It will cover the cost of replacement, up to a certain amount.
Agreed Value
This is generally for specialty items like a classic car, artwork, or jewelry collection where the payout value is agreed upon beforehand and that’s what will be paid out.
What is a Policy Limit
As a policyholder, you want to know your items are protected so you can get on with your day. Policy limits for your home, car, condo or recreational vehicle are set as the maximum an insurer pays you after a loss. Limits are defined individually per each insured item and set when you set up or renew your insurance policy.
How to Get Cheap Insurance in Kanata
You want to get your insurance rates to head south. Luckily, it may be easier than you think. There is no puzzle to put together, just knowledge about how to make rates more affordable.
You can give us a call and we’ll guide you through your choices and how you could benefit from lower rates. In the meantime, let’s review some tips on how to lower your rates.
10 ways to Lower your insurance bill
Why Choose Sharp Insurance as your Kanata Brokerage?
Who has time to shop around for ideal insurance rates? Most people are too busy living their lives. You’re likely a person that is crunched for time. At Sharp, our brokers understand the insurance market and help you navigate through. We negotiate on your behalf. Here are some ways we help you:
We work for you
We match your insurance wants with an insurer that has your best interests at heart.
We offer you choices
You can choose what coverage level you want at the best rates for your home and toys.
We shop around for you
Our brokers love to shop around for you, so you can get back to business at home or on the road.
We give you digital choices
Forget about your messy glove compartment; pick up your phone to access your pink card or to make a claim.
We take good care of your needs
We want the same as you: to have the best possible rates and awesome customer service. We deliver!
How to Get a Free Online Insurance Quote in Kanata?
If you live in Kanata, it’s quick and easy to connect with us and get a competitive insurance quote. Maybe you prefer email or chatting with us on the phone. It’s up to you – we provide the ability to get in touch with us when it works for you.
If you don’t have time to call, follow the steps below and to get a fast and easy competitive quote.
3 Easy Steps to get a free online quote:
- Request an insurance quote online, by phone, or via email.
- Keep your insurance policy in a easy access area at home
- Request a quote from multiple insurance companies.
Our brokers in Kanata are here for you to discuss everything from your policy limits to your settlement options for your home, vehicle, condo, or your travel needs. Get a quote today.