Insurance That Fits Life in the Royal City
Guelph is known for its walkable downtown, the Speed and Eramosa rivers, the University of Guelph and a strong community feel. If you want an insurance broker in Guelph, PJ Insurance Broker helps drivers, homeowners, landlords, students and business owners compare coverage and choose it with confidence.
With a large student population, historic limestone homes in the downtown core and newer family neighbourhoods in the south end, insurance needs across Guelph vary a lot. We ask about your situation first and then explain the options clearly.
Talk to a Guelph Insurance Broker
Call (437) 836-4959
Open daily, 10 AM to 7 PM
50 Lotherton Pathway #109, North York, ON M6B 2G7
Student, homeowner or landlord? Tell us what you’d like to cover.
Car, Home and Commercial Insurance in Guelph
How we help Guelph residents, landlords and local businesses.
Car Insurance in Guelph
Guelph drivers rely on the Hanlon Expressway (Highway 6), Gordon Street, Woodlawn Road and nearby Highway 401. Households range from commuters to students with a single car, so we compare options for each situation.
Home Insurance in Guelph
Guelph’s housing includes older limestone homes downtown, newer builds in the south end and many properties rented to students. We help owners protect the house, belongings and liability, and explain tenant coverage for renters.
Commercial Insurance in Guelph
Guelph’s businesses include downtown shops, restaurants, tech and research ventures, trades and home-based services. We help you look at general liability, commercial property and professional liability suited to your operation.
What Guelph Residents Should Know About Insurance
Guelph has a strong rental market because of the University of Guelph, so many local homeowners are also landlords and many residents are tenants. A homeowner who rents out rooms or a unit needs to make sure their policy reflects it, and tenants need their own policy for belongings and liability.
Older stone and brick homes downtown can come with specific questions about age, heating and wiring, while newer builds in areas like Westminster Woods focus more on rebuild cost and finished space.
Guelph Points Worth Discussing
- Rented rooms, student housing and landlord liability
- Tenant insurance for students and young professionals
- Older limestone and brick homes downtown
- Newer builds in Westminster Woods, Kortright Hills and Clairfields
- Home-based and downtown small-business coverage
Insurance Support Across Guelph
We help clients in Downtown Guelph, Exhibition Park, St. George’s Park, Kortright Hills, Westminster Woods, Clairfields and the University of Guelph area. Downtown and Exhibition Park have many older homes, while Westminster Woods, Kortright Hills and Clairfields feature newer construction.
We’re based in North York and serve Guelph clients by phone, email and our online quote form.
Insurance Tips for Guelph Students, Tenants and Landlords
- Students should ask whether their belongings are covered under a family member's policy or need their own tenant policy.
- Landlords should confirm that their policy reflects rented rooms or units.
- Keep a list or photos of electronics, bikes and furniture in case you need to make a claim.
- Moving between Guelph and another city? Update your insurer, since location can affect your premium.
Guelph Insurance Questions, Answered
Sometimes. A student’s belongings may or may not be covered by a family member’s policy, depending on the policy and the living arrangement. A tenant policy is a common option, and we can help you compare.
It depends on the policy and the setup. Renting rooms can change the risks and the coverage you need, so tell your insurer and we’ll help you review the options. See home insurance.
Ontario law doesn’t require it, but many landlords make it a condition of the lease. It covers belongings, extra living costs after a covered loss and personal liability.
Often, yes. Insurers typically ask about the home’s age, construction, heating, wiring and roof. We’ll gather that information and compare what’s available.
Many look at general liability, commercial property for stock and equipment, and business interruption. We’ll help you decide what makes sense for your business. See commercial insurance.
Call (437) 836-4959 or use the form below. We’ll ask a few questions and follow up with options, including car insurance for your vehicle.
Get Your Guelph Insurance Quote
Tell us whether you’re a student, owner, landlord or business owner and we’ll help you compare.
PJ Insurance Broker
50 Lotherton Pathway #109, North York, ON M6B 2G7
Phone: (437) 836-4959 • Open daily, 10 AM to 7 PM
Find Your Insurance Agent! Say Hello
Insurance Agent
