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Buying home or auto insurance has never been easier. Answer a few simple questions and you’re covered.

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We’re not your typical insurance brokerage

MacLachlan Insurance Inc. has been operating as a local independent brokerage for over 85 years. The way we do business has changed, but our quality service and personal touch has not. We represent some of the best insurance companies in Canada, allowing us to do extensive comparison shopping on your behalf and find coverage fit for you.


We’re here to guide you, and help make the right insurance choices

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Step 1: Answer just a few easy questions

Our analytics remove the guesswork to get you the right coverage at a competitive price.

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Step 2: Select your insurance packages

Choose one, or make changes. Plain language and helpful tips make it easy.

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Step 3: Connect with your personal broker.

After you found a package, a broker will contact you and provide expert advice.

Questions? We’re here to help

Rather talk to a broker directly? That’s not a problem at all, we’d love to speak with you. Give us a call (519) 294-6871 or send us an email info@hmsins.ca.


Frequently asked questions

What auto insurance coverage do I need?

Liability limits. We’ll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you’re held liable for injuries or damage to someone else’s property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what’s covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

What payment options do your insurance companies offer?

Payment options vary between each insurance company, but typically your options include three options:

  • Credit card (1 to 4 separate payments)
  • Direct withdrawals monthly
  • Cheque (1 to 4 separate payments)

How do you calculate my auto insurance premium?

There are a number of factors we look at to help determine your rate. For instance:

  • Number of past claims
  • Information about you (e.g. how many years you’ve been a licensed driver)
  • Traffic violations (e.g. speeding tickets)

Also, each province has government regulators that oversee how prices are determined by insurance companies (though, this doesn’t apply in Quebec).

How do you calculate my home insurance premium?

It’s a whole lot of math and statistics. Basically, we look at a complex set of factors that determine your rate. For instance:

  • Where your home is located
  • Home structure, age, heating equipment, etc.
  • Size of your home
  • Number of past claims
  • Information about you (age, etc.)

How did you get information about my property?

All the information we access about properties in your area is public data. A variety of service providers maintain this data. We just assemble it to simplify the quote process and get you the most competitive price.
How much will it cost to cancel my current insurance policy?

Switching policies at renewal time is always the cheapest option, it incurs zero cancellation penalties. However, if you want to cancel policies mid-term to switch to MacLachlan Insurance Inc there will be a small penalty with your prior company. Visit our cancellation calculator to get a rough idea of the cost.

It’s time for insurance to be less stressful

Switch to MacLachlan Insurance Inc today.


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