Auto Insurance

Providing personalized coverage to protect against accidents, theft, and other unforeseen events on the road.

A family of three sits smiling in a car, securely buckled up, showcasing the importance of safety and savvy choices like auto insurance. The parents in casual shirts take the front seats while their son, dressed in a cozy sweatshirt, enjoys the back.
A woman and a child are smiling as they look out of the windows of their parked black car, secure in their travels. The woman is in the front seat, and the child sits joyfully in the back. With auto insurance peace of mind, they enjoy a day framed by a clear sky and lush greenery.

Auto Insurance: Comprehensive Auto Insurance for Peace of Mind

In Ontario, auto insurance includes mandatory coverage like liability, accident benefits, DCPD, and uninsured auto coverage, plus elective options like collision, comprehensive, and rental coverage for added protection. Let Strong Roots Insurance Brokers Ltd. help find the right coverage for you!

What We Cover

A couple relaxes on the open tailgate of a silver SUV parked by a pebble-covered riverbank, enjoying the serenity. As the sun sets behind them, they point toward the water, assured in their adventure and their choice of reliable auto insurance for peace of mind.

Car

Protect your vehicle and finances with reliable car insurance tailored to your needs.

A large white semi-truck with a trailer drives on a highway at sunset, showcasing the importance of reliable auto insurance. The sky is partly cloudy, casting an orange glow on the road flanked by green trees and grass.

Truck

Get comprehensive truck insurance to keep you covered on every road and job.

A person in a black helmet rides a classic-style motorcycle with a yellow headlight on an open road, enjoying the thrill of speed. The clear blue sky and blurred greenery whiz by, reminding one of lifes fleeting moments. Dont forget your auto insurance for peace of mind on every journey.

Motorcycle

Ride with confidence knowing your motorcycle is protected with reliable insurance coverage.

Two people wearing helmets fist-bump while seated on orange and black all-terrain vehicles (ATVs), their adventurous spirits roaming free on a dirt path. Surrounded by a forest of tall trees under a clear sky, theyre glad they remembered to check their auto insurance before setting off.

ATV

Explore off-road adventures worry-free with reliable ATV insurance coverage.

A person wearing a red and black jacket and helmet is riding a red snowmobile across snowy terrain, surrounded by snow-covered trees. With a smile, they enjoy the ride in the wintry landscape, knowing their auto insurance has them covered for any unexpected adventures.

Snowmobile

Ride through winter with confidence knowing your snowmobile is protected with the right insurance coverage.

A large white motorhome, covered by auto insurance, is parked on a sandy terrain at sunset. A person leans against it, gazing at the sky. Wooden posts are nearby, and the horizon is visible in the background.

Motorhome

Enjoy the open road with peace of mind knowing your motorhome is protected with reliable insurance coverage.

Why Choose Strong Roots?

Discover the difference of partnering with a dedicated insurance company. Contact us today to discuss your insurance needs, and let us help you secure a brighter, more protected future.

A historic red brick building with a tall clock tower stands under a bright blue sky, embodying strong roots. Autumn trees surround the scene. In the foreground, theres a modern art sculpture and a planter with colorful flowers. People walk nearby.

Expertise

Our team’s in-depth knowledge of the insurance industry enables us to navigate complexities and find optimal solutions for your needs.

Personal Attention

 We treat each client with the utmost care and attention, ensuring that you feel valued and supported throughout your insurance journey.

Time Savings

Skip the time-consuming process of researching and comparing policies. We streamline the process, presenting you with the best options available.

Cost-Effective

Our ability to source competitive rates means you get the coverage you need at prices that fit your budget.

Long-Term Relationships

Beyond policies, we aim to build lasting relationships. We’re here not just for a transaction, but to provide ongoing support as your needs evolve.

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20+ years of building trust

Our clients trust Strong Roots

A woman in a white shirt and dark blazer is smiling while sitting at a table with two other people in an office setting. She appears to be engaged in conversation. The background features a light-colored brick wall.

Specialized Insurance Needs

Customized insurance solutions for unique scenarios (e.g., mobile homes, secondary properties).

We have your specialized Insurance needs covered
  • Tailored Coverage – Insurance for mobile homes, cottages, rentals, and unique properties.
  • Comprehensive Protection – Covers weather damage, theft, and liability for non-traditional homes.
  • Flexible Options – Customizable policies to fit your needs and budget.

FAQ

If you use your vehicle for work-related activities beyond just commuting—such as making deliveries, carrying work equipment, or transporting clients—you likely need commercial auto insurance. Personal auto policies often exclude coverage for business use, meaning if you get into an accident while working, your claim could be denied. Even rideshare drivers (Uber, Lyft) need special endorsements to be fully covered.

It depends. In Ontario, insurance follows the vehicle, not the driver, so if you let someone borrow your car, they may be covered under your policy. However, if the person driving was:

  • Not legally licensed
  • Intoxicated
  • Excluded from your policy

Then your claim could be denied, and you might have to pay out-of-pocket. Always ensure you trust whoever you lend your vehicle to.

Many people purchase extra insurance at the rental counter, not realizing that:

  • Their personal auto insurance policy may already cover rentals (if you have the OPCF 27 endorsement).
  • Some credit cards provide rental car coverage (but often with conditions and exclusions).

Before renting a car, check your existing policies so you don’t overpay for unnecessary insurance.

One of the most common mistakes is choosing only the minimum coverage required by law. Ontario mandates $200,000 in third-party liability coverage, but that’s not enough – that limit was set in 1979. If you’re in a serious accident, where anyone is hurt, their medical bills, lost wages, and damages could easily exceed that amount, leaving you personally responsible. We recommend at least $2M in liability coverage to protect your financial future.