Step 1: Contact our brokers
Start by calling 1-888-616-1868 to speak with one of our experienced insurance brokers
Step 2: Share some info
Tell us a bit about yourself, what your hoping to insure, and the amount of coverage you'll require
Step 3: Finalize your policy
Compare quotes and select the best rate - we'll do the rest to ensure you get the protection you need
Morgan Roberts, Director of Sales - RH Insurance
We are a property & casualty (P&C) insurance brokerage focused on selling personal insurance solutions throughout Ontario. This means we offer insurance coverage for your auto, home, rental unit, motorcycle, and even your various recreational toys.
We welcome all comers and will do our best to place you with an insurer who can fulfill your coverage needs, as we are licenced to operate within the preferred, standard & non-standard market. Insurance companies categorize drivers by coverage tiers to help calculate their risk exposure - they need to make sure they are not over-exposed to potential claims pay-outs.
- Preferred market - This is the cream of the crop and desired by every standard insurer in Canada. These are individuals with extensive experience and spotless insurance records. If you meet this criteria, you will never have an issue finding insurance. Preferred customers are rewarded with the lowest rates in the market, as they pose the least risk to any insurer.
- Standard market - A standard policy provides conventional coverage for drivers considered low-risk by insurance companies. They have minimal to incident-free driving histories, drive moderate cars (i.e. not supercars), and as a result can qualify for affordable car insurance rates from any of the "big name" insurance companies - Intact, Wawanesa, Economical, SGI, etc...
- Non-standard market - If you're ever been denied insurance coverage or issued a non-renewal, it's possible you'll need to seek a non-standard insurance policy. This market is reserved for high-risk drivers & homeowners. The policies are more expensive due to the increased liability high-risk customers represent to the insurance company. The level of coverage will vary from insurer to insurer, but a high-risk customer will still be able to get basic protection, they will just have to pay significantly more for it.