Life throws curveballs when we least expect it. That’s why having the right insurance is like having a financial safety net to catch you when things go wrong.  

However, picking a plan can be a real headache, especially if you’re still figuring out what kind of coverage you need.  

To help you find the best deals out there, we rounded up the best insurance brokers in Montreal who can give you expert guidance and personalized recommendations. 

We also listed the services each firm offers and the pros and cons you can weigh out when making the final decision. Let’s get you covered!  

How much do insurance brokers in Montreal charge? Insurance brokers in Montreal don’t charge clients directly. Instead, they earn a 7.5% to 20% commission from the insurance companies they work with. However, there can be exceptions, like the additional fees for policy changes and detailed consultations.

How We Chose The Best Insurance Brokers in Montreal  

1. Fort Assurances & Avantages    

Services: Life insurance, automobile insurance, business insurance, and more      

Location: 3737 Boul Crémazie E bureau 1001, Montreal, Quebec H1Z 2K4, Canada 

Contact: +1 514-374-9944  

Opening hours: Monday to Sunday – 8:30 AM to 6:30 PM, Saturday – 10 AM to 3 PM  

Website 

Fort Assurances has been helping people find the right insurance since 1927. What we like most about them is that they’re not owned or affiliated with the insurance companies they work with, allowing them to be impartial advisors who can offer unbiased recommendations.  

Finding good insurance here is super easy because they have over 50 insurance company partners. Some of the insurance companies they’re working with are Desjardins, Manuvie, and Intact.

From your home and car to your business properties, they’ve got you sorted. Plus, if you’re not happy with your current insurance, you can easily switch from one provider to another.  

We also like that you can compare plans and discuss rates with a broker without leaving your couch. You can request a quote with just a few clicks on their website or inquire about their offers by calling 1-877-860-1412, their toll-free hotline. 

However, if you want to explore the details of your insurance more, it’s always a good idea to visit their office and discuss everything face-to-face. This way, you can also create a customized insurance solution. 

Amazing monthly rate  

“First time client & honestly my experience was amazing ! I just joined this insurance company literally yesterday to insure my new car & I got an amazing monthly rate with the help of the person that helped me ! 10/10 would recommend if you are looking for car insurance!”

Bianca R., Google Reviews 

Best coverage tailored to my needs  

“I can’t express enough gratitude for Alvina Rayan’s exceptional service as my car insurance agent. Alvina goes above and beyond to ensure that I have the best coverage tailored to my needs at the most competitive rates. Her professionalism, attention to detail, and genuine care for her clients make her stand out. Whenever I have questions or concerns, Alvina is always prompt in her responses and provides clear explanations. I feel confident knowing that I have Alvina in my corner, taking care of my insurance needs. If you’re looking for top-notch service and peace of mind, look no further than Alvina Rayan. She’s simply the best!”

Imran Azim, Google Reviews

2. LMBF Assurances   

Services: Personal insurance, commercial Insurance, and life insurance

Location: 1955 De la Côte-de-Liesse Rd Suite 201, Montreal, Quebec H4N 3A8, Canada 

Contact: +1 514-333-4630 

Opening hours: Monday to Thursday – 9 AM to 6 PM, Friday – 9 AM to 5 PM 

Website 

With over 50 years of experience offering a variety of personal and commercial insurance policies, LMBF is one of the leading brokerage firms in Canada. It’s backed by Canada’s trusted insurance providers, such as Sun Life, Manulife, and Aviva.

We appreciate that their website contains easy-to-read blogs about each insurance product they offer. You can browse through what the insurance covers or excludes and the insurance partners they work with. 

Getting started with them is also very convenient. You can easily reach them by phone and on their website, making your insurance search quick and easy. 

Moreover, once you become an auto or home insurance client, you can download the myLMBF mobile insurance app to check your policy details or file a claim.  

LMBF also offers a range of financial services, including financial planning, investment planning, and registered retirement savings plans, for private and institutional clients. 

We did hear some complaints about long wait times, though. It would be great if they could speed things up a bit by sending clients notices about time-sensitive requirements and sudden changes to avoid problems during processing. 

Incredibly professional and attentive 

“I recently had the pleasure of working with Francesco Panetta, a Personal Damage Insurance Broker at LMBF, and I couldn’t be more satisfied with the service I received. Francesco was incredibly professional and attentive throughout the entire process. He made sure to understand my needs and went above and beyond to secure the best deal for my home insurance. His expertise and dedication to finding the right coverage at an excellent rate were truly impressive. I highly recommend Francesco Panetta for anyone looking for outstanding insurance services.”

Othman Ouahabi, Google Reviews

5-star attention to service  

“I’ve never had any cause to cut ties with this outstanding company. It’s been excellence from them all through my journey with them. For my good driving habits and patronage, the reward from them is very impressive.  I’d like to thank Wilner Dikamba for his 5 star attention always. Thanks to LMBF!”

Harrison Osayi, Google Reviews 

3. Univesta Assurances   

Services: Automobile insurance, housing insurance, agricultural insurance, and more

Location: 3925 Rue Rachel E, Montréal, QC H1X 3G8, Canada

Contact: +1 855-864-8378  

Opening hours: Monday to Thursday – 8:30 AM to 5 PM, Friday – 8:30 AM to 4:30 PM  

Website 

Univesta Assurances is one of the largest insurance brokerage firms in Quebec. It has been around since 1953 and now has several branches across Greater Montreal, the South Shore, and other regions.  

Univesta’s strong suit is its large network of commercial insurance providers. Currently, it has over 30 partners offering a wide range of business insurance.

When it comes to personal insurance, you can choose from a few options, including Chubb, Novapro, and Intact.   

Aside from insurance, they also financial products in partnership with banks like Groupe Cloutier, Banque ING du Canada, and Groupe Censéo. Some of the products you can check out are Locked-in Retirement Accounts and Registered Education Savings Plans.

We also that they offer free online quotes. It’s a quick and convenient way to look into possible insurance policies and coverage.   

However, we’ve heard several complaints about their responsiveness to customers who want to change their existing policies and coverage. 

If you’re an Intact insurance customer, you can manage your coverage more easily through their mobile app. However, if you avail of insurance from other providers, your best bet is to visit one of Univesta’s offices. 

Very patient and understanding to clients 

“I am very appreciative of the service Nadia Attipoe provided. She took her time, was patient and helped to solve my problem. She made the process enjoyable, and she was very understanding.  It’s not always easy dealing with issues over the phone but I would deal with Nadia any day, it was a pleasure.”

Shanelle Martelly, Google Reviews 

Impeccable service 

“My mother and I received impeccable service from Dominic Landreville. Not only was he extremely knowledgeable, Dominic was also responsive – whether by call or email he was always there to answer questions and assist us every step of the way. Will recommend Univesta moving forward!”

Djeneba Dosso, Google Reviews

4. YouSet       

Services: Homeowner insurance, tenant insurance, condo insurance, and automobile insurance    

Location: 4 Pl. Ville-Marie #300, Montréal, QC H3B 2E7, Canada 

Contact: +1 514-613-6267

Opening hours: Monday to Friday – 9 AM to 6 PM  

Website

If you value convenience and efficiency when finding insurance products, YouSet is worth checking out. The process of finding insurance here is quick and easy because everything’s automated. Just answer a few questions about your insurance needs, and you’re good to go.

YouSet’s automated platform is powered by algorithms that screen the market for potential insurance quotes based on your specifications. It’s also a good way to find the most affordable insurance policy that suits your needs.   

Moreover, they just launched a promo that lets clients avail of a discounted home and car insurance bundle from the same provider. With this, you can save up to 15% to 29% off on premiums.  

Once you decide what policy to get, you can customize it with optional coverages and buy it directly from the website. This digital process helps streamline operations, so you can expect fast response time and efficient policy issuance. 

YouSet also has a team of insurance brokers you can contact via call or email if you have further questions about their offerings. However, if you prefer face-to-face interactions to build trust or explain complex insurance needs, it’s not the best option for you. 

Quick, efficient, and responsive service 

“Loved my experience. I did the rounds of several other insurance companies and brokers and finally tried YouSet and will never look back. I was skeptical at first but first hand experience made me a believer. Quick, efficient, responsive, and painless experience, after a quick and fairly accurate online quote, the rest of the transaction was done by text. My final price was a tiny bit higher than the quoted price but the policy was better and still cheaper than any of the other 4 options I had spent countless hours finding. Would highly recommend for anyone that wants to avoid being on the phone for two hours anytime you need to deal with your insurance.”

Ben Chung, Google Reviews

Got the lowest price possible 

“Was a bit weary at first I can’t lie. I’ve never had an insurance company that does everything through email/text message. Especially for car insurance. I was thinking that it was a scam so I had to double check first. However, they’re friendly, very quick to respond to any/all questions. I got the lowest price possible and I went through a whole lot of companies. They will definitely find you the lowest rate. Super satisfied and the process was way faster than dealing with any broker over the phone.”

Ashley Belanger, Google Reviews 

5. Qubit Insurance Group Inc.   

Services: Home insurance, automobile insurance, commercial property insurance, and more

Location: 1155 Metcalfe St, Suite 1500, Montreal, Quebec H3B 2V6, Canada 

Contact: +1 514-659-3151  

Opening hours: Monday to Friday – 9 AM to 6 PM  

Website 

Qubit Insurance Group is a small brokerage firm, but with its comprehensive range of personal and commercial insurance products, it would be a waste not to include them on this list. 

Whether you’re a young professional looking to safeguard your new home or a busy business owner aiming to protect your assets and operations, Qubit can help you find a tailor-made solution in just a few clicks.    

We especially like the diverse range of commercial insurance products they offer, which are highly advantageous for beginner business owners. 

For example, a Builder’s Risk Insurance might seem like an additional expense, but it’s actually an excellent way to protect your business property during construction. This insurance covers losses caused by natural disasters, fire, and theft, so it can be your safety net. 

Another thing worth noting about Qubit is that most of their brokers are fluent in different languages. This makes their services more accessible to clients who may have a problem with language barriers when making an inquiry. 

We do think, though, that their website has lots of room for improvement. Since they don’t have onsite services, it would be nice if they added a live chat feature on the website so potential clients can easily get the support they need from an insurance broker.

Offers multiple quotes to compare price 

“Excellent service providers. I bought travel insurance for my parents from Mrs Ranjit kaur. She was extremely polite and provided me a quote with multiple service providers to compare price. I highly recommend these guys.”

Aishwarya Binji, Google Reviews

Very professional and knowledgeable 

“Excellent service. The agent that I spoke with (Manjot) was very professional, knowledgeable, friendly and patient with all of my questions. Manjot was able to provide me with an excellent price, much lower than what I expected. I would highly recommend policy store and in particular Manjot.”

Shahbaj Singh Rai, Google Reviews