🇨🇦 Proudly 100% Canadian · Protecting Canadian Families Coast-to-Coast 🍁

Insurance made easier.

Compare coverage options for your auto and home with guidance from an independent brokerage. We help you understand your choices and find coverage that fits your needs.

What are you looking to insure?

Coverage options reviewed with a broker Personalized quote assistance Ongoing policy support

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🇨🇦 Proudly Protecting Canadian Homes & Drivers · Ontario 🍁

Core Insurance Lines

Tailored Auto & Home Solutions

MakeMyRates focuses on personal line insurance. We connect you with coverage designed for your specific vehicles, property types, and everyday risks.

Vehicle Protection

Auto Insurance

Coverage for everyday driving, multiple vehicles, and different driver situations across Ontario. We evaluate mandatory protections and available discount opportunities.

Third-Party Liability ($1M, $2M+) & Accident Benefits
Collision, Comprehensive & All-Perils options
Winter tire, telematics, and multi-vehicle discount reviews

Get an Auto Quote → Explore auto coverage details →

Modern Canadian home with evening lighting and stone architecture

Property Safeguards

Home Insurance

Coverage options for detached houses, townhomes, condominiums, and tenant contents. Guard your dwelling against weather events, structural loss, and liability.

Guaranteed replacement cost building protection
Overland water, sewer backup, & ground water endorsements
Condominium deductible loss assessment & tenant personal contents

Get a Home Quote → Explore home coverage details →

The Brokerage Difference

Independent Brokerage vs. Direct Buying

Understanding how an independent brokerage compares with buying directly from a single insurance company.

Feature / Service	Independent Brokerage	Direct Insurer
Compare represented insurance markets	✓	—
One point of contact for multiple policies	✓	✓
Policy guidance & coverage review	✓	✓
Options from multiple represented carriers	✓	—
Buy directly from one single insurance company	—	✓
Ongoing policy & claims assistance	✓*	✓*

*Service scope and claims intake arrangements depend on individual policy wordings, underwriter agreements, and provider arrangements.

Independent Brokerage Model

An independent brokerage represents clients in evaluating coverage terms across represented insurance markets. A broker assists with policy selection, claims guidance, and ongoing policy reviews.

Direct Insurer Model

A direct insurance company issues policies directly to consumers through captive representatives, corporate telephone centres, or its proprietary website.

Streamlined Intake

How Getting a Quote Works

A straightforward process designed to save you time and provide clear rate comparisons.

Tell Us About Your Needs

Share basic vehicle or property specifications through our secure online intake form or by speaking directly with a licensed advisor.

Broker Reviews Your Options

Our licensed advisors review rates and coverage terms across represented insurance underwriters to find matching options.

Review Your Quote

Review your customized quote options, discuss any questions with your broker, and finalize your coverage with digital binder documents.

Start Your Quote Request →

The MakeMyRates Approach

Why Compare With MakeMyRates?

We prioritize clarity, client advocacy, and straightforward insurance advice.

Market Comparison

Evaluate available coverage terms and pricing across represented Canadian underwriters rather than being limited to a single captive formula.

Broker Guidance

Work with an independent broker who helps clarify deductible options, mandatory coverages, and available discount opportunities.

Tailored Policies

Select coverage limits, deductible structures, and endorsement packages suited to your specific vehicle, home, and budget requirements.

Ongoing Support

Receive dedicated broker assistance for annual policy renewals, vehicle or property updates, and general policy questions.

Provincial Focus

Insurance Coverage by Region

Insurance regulations and rating factors vary across Canadian provinces. MakeMyRates actively serves Ontario residents with dedicated regional resources.

Active Regional Market: Ontario

Our brokerage focuses on the Ontario insurance market under the Financial Services Regulatory Authority of Ontario (FSRA) framework. Explore regional guides below for territory-specific insights.

Ontario Auto Insurance FSRA Rules & Reform Updates

View Ontario Guide →

Toronto Car Insurance Commuting & Territory Factors

View Toronto Guide →

Mississauga Auto Coverage 401/403 Highway Risk Insights

View Mississauga Guide →

Ontario Home Insurance Overland Water & Storm Perils

View Home Guide →

Practical Advice

Insurance Guides & Regulatory Insights

Clear, objective articles to help Canadian consumers make informed coverage decisions.

Driver with vehicle reviewing Ontario insurance guide on smartphone

Ontario Regulatory Guide

Ontario Auto Insurance Changes: What Drivers Must Know

A complete breakdown of recent FSRA regulatory adjustments, optional DCPD election rules, and renewal impacts.

Read Full Guide →

Family standing together looking at their new home

Savings Strategy

The Home & Auto Bundling Handbook

How multi-policy arrangements work, when bundling saves money, and key considerations before combining policies.

Read Full Guide →

Canadian residential property and garden

Property Protection

Understanding Water Coverage: Overland vs. Sewer Backup

Why standard home policies exclude surface water damage, and how to verify endorsements against extreme weather events.

Learn About Endorsements →

Explore All Guides & FAQs →

Answers to Common Questions

Frequently Asked Questions

Clear, honest answers about working with MakeMyRates and reviewing Canadian insurance options.

How does MakeMyRates review insurance options?

MakeMyRates operates as an independent insurance brokerage service. When you submit a quote request, our brokers gather your driver or property specifications and evaluate pricing and coverage terms across represented Canadian insurance carriers to present matching options.

Are quote requests free of charge?

Yes. Requesting an insurance quote through MakeMyRates involves no fee or obligation. You will receive transparent rate estimates and professional advice on coverage options before making any commitment.

What is the difference between an independent broker and a direct insurance company?

A direct insurance company sells only its own proprietary policies through its captive agents, website, or call centre. An independent broker represents you, the client, and works with multiple represented insurance companies to evaluate available options.

How can I lower my auto and home insurance premiums?

Common ways to manage premiums include bundling your auto and home policies with the same carrier, choosing a higher deductible if your emergency savings allow, installing certified winter tires (mandated discount in Ontario), maintaining a clean driving record, and reviewing optional endorsements annually.

Ready to review your insurance options?

Speak with a licensed MakeMyRates broker or start your online quote request today.

Get a Quote → Call a Broker: +1 (647) 366-8171