Insurance Advice From a Broker Based Right Here in Toronto
PJ Insurance Broker is based in North York, so when you’re searching for an insurance broker in Toronto, we’re a local choice. We help Toronto drivers, homeowners, condo owners, tenants and business owners compare coverage in plain English and choose options that suit their lives.
Toronto is a city of very different housing and driving situations: a downtown condo, a semi in East York, a bungalow in Etobicoke or a storefront on a busy street. Each one has its own insurance questions, and we take the time to ask them.
Talk to a Toronto Insurance Broker
Call (437) 836-4959
Open daily, 10 AM to 7 PM
50 Lotherton Pathway #109, North York, ON M6B 2G7
We’re right here in North York. Call or send us a message anytime.
Car, Home and Commercial Insurance in Toronto
How we help Toronto drivers, renters, owners and small-business operators.
Car Insurance in Toronto
Toronto drivers navigate the 401, the DVP, the Gardiner, the 400 and busy city streets, and many use the TTC for part of their week. Parking location, annual kilometres and how you use your car can all matter, so we ask about them and compare options.
Home Insurance in Toronto
From downtown condos and Leaside bungalows to Etobicoke detached homes and Beaches semis, Toronto’s housing mix is wide. We explain how house, condo unit-owner and tenant policies differ, and help you set limits that fit what you own.
Commercial Insurance in Toronto
Toronto’s small businesses, from restaurants and retail to clinics, studios and consulting firms, face very different risks. We help owners look at general liability, commercial property and professional liability tailored to the way they operate.
What Toronto Residents Should Know About Insurance
Toronto has a huge range of living situations, and insurance should reflect yours. A tenant, a condo owner and a house owner each need different protection, and many people discover the gaps only after a loss. Reviewing your coverage when your situation changes is one of the simplest ways to avoid that.
Driving in the city is also different from driving elsewhere in Ontario. Traffic density and where you park are things insurers may take into account when setting premiums.
Toronto Points Worth Discussing
- Condo unit-owner coverage and tenant insurance for apartments
- Basement apartments and second suites in detached homes
- Street parking, garage access and how your car is stored
- Older homes in neighbourhoods such as the Annex and Leaside
- Restaurants, retail, clinics and studios needing commercial coverage
Insurance Support Across Toronto
We work with clients in North York, Willowdale, Don Mills, Etobicoke, East York, Leaside, the Beaches, the Annex and Downtown Toronto. The Annex and Leaside include many older homes, while Don Mills and Willowdale have a mix of condos and detached homes, so we adapt our questions to what you own.
Our office at 50 Lotherton Pathway is in North York, and you can also reach us by phone, email or the online form.
Insurance Tips for Toronto Renters, Condo Owners and Homeowners
- Renters: photograph your belongings and keep receipts for electronics.
- Condo owners: read the corporation's insurance summary and insure what it doesn't cover.
- If you have a basement apartment, tell your insurer and review your liability.
- Moving to a different part of the city? Update your insurer before you move.
Toronto Insurance Questions, Answered
Tenant insurance can protect your belongings and personal liability and help with extra living costs after a covered loss. It isn’t required by law, but many landlords ask for it. See our home insurance page.
Usually your belongings, improvements and personal liability, and often loss assessment. The corporation’s policy typically covers the building and common elements.
Yes. A second suite changes the risks and may affect your coverage. We’ll help you disclose it properly and find options that fit.
It can be one of the factors, along with your address, driving history and vehicle use. Tell us how and where you park and we’ll compare car insurance options.
Yes. Many owners look at general liability, commercial property, business interruption and professional liability where relevant. We’ll go through your operation. See commercial insurance.
No. Our office is in North York, but you can call (437) 836-4959 or use the form below, and you’re welcome to visit during opening hours.
Get Your Toronto Insurance Quote
Tell us about your condo, home, vehicle or business 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
