Complete Insurance Solutions for Auto, Home, Life, Business & Travel

I-Rate Financial Ltd. provides comprehensive insurance coverage tailored to protect what matters most to you. With expert guidance across all insurance categories, we help you make informed decisions for complete peace of mind.

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Our Insurance Categories

We offer comprehensive coverage across all major insurance categories to protect every aspect of your life and business.

Auto Insurance

Complete protection for your vehicles including liability, collision, comprehensive, and accident benefits coverage tailored to Ontario requirements.

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Home Insurance

Protect your home and property against damage, theft, and liability. Coverage for homeowners, renters, and condo owners across Ontario.

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Life Insurance

Financial protection for your loved ones with term life, universal life, whole life, and critical illness insurance options.

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Business Insurance

Comprehensive coverage for businesses of all sizes including liability, property, commercial auto, and professional insurance.

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Travel Insurance

Protection for domestic and international travelers including emergency medical, trip cancellation, and Super Visa insurance.

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Auto Insurance Services

Liability Coverage

Mandatory coverage that protects you if you're at fault in an accident causing injury or property damage to others. Meets Ontario's minimum requirement of $200,000, though we typically recommend $1-2 million for proper protection.

Includes third-party liability, accident benefits, and uninsured automobile coverage as required by Ontario law.

Collision & Comprehensive

Optional coverage that protects your vehicle against damage from collisions, theft, vandalism, fire, and natural disasters. Collision covers accidents regardless of fault, while comprehensive covers non-collision incidents.

We help you choose appropriate deductibles and coverage limits based on your vehicle's value and your financial situation.

Accident Benefits

Coverage for medical treatment, income replacement, and other expenses if you're injured in an auto accident, regardless of who's at fault. Includes medical/rehabilitation benefits, attendant care, income replacement, and non-earner benefits.

We explain the various coverage levels and help you select appropriate limits for your needs.

Home Insurance Services

Homeowners Insurance

Comprehensive protection for your home and personal property against risks like fire, theft, vandalism, and weather damage. Includes dwelling coverage, personal property protection, additional living expenses, and personal liability.

We help ensure your coverage reflects current rebuilding costs, not just market value, to avoid being underinsured.

Condo & Tenant Insurance

Specialized coverage for condo owners and renters. Condo insurance covers your unit improvements, personal property, and liability beyond what the condo corporation policy provides. Tenant insurance protects renters' belongings and provides liability coverage.

We review your condo corporation's master policy to identify gaps in your coverage.

Personal Liability & Umbrella

Protection if someone is injured on your property or you're found responsible for damaging someone else's property. Includes coverage for legal defense costs and settlement amounts.

Umbrella policies provide additional liability coverage above your home and auto policy limits, typically starting at $1 million for comprehensive protection.

Life Insurance Services

Universal Life Insurance

Integrates a tax-advantaged investment with protection. Universal life insurance combines permanent coverage with a savings component that grows tax-free. This flexible policy allows you to adjust premiums and death benefits as your needs change.

It's ideal for those who have maximized their RRSP and TFSA contributions and want additional tax-advantaged investment options.

Term Life Insurance

The most well-known and widely used life insurance plan in Canada. Term life provides affordable coverage for a specific period (10, 20, or 30 years), making it ideal for temporary needs like mortgages or children's education.

For a healthy 30-year-old, $1,000,000 of coverage can start as low as $40/month for a 20-year term. Most term policies are convertible to permanent coverage without additional medical underwriting.

Critical Illness Insurance

Provides a lump-sum, tax-free payment if diagnosed with a covered serious illness like cancer, heart attack, or stroke. This payment can cover expenses not covered by provincial health plans, such as experimental treatments, travel for care, or household bills during recovery.

Many policies include access to medical second opinions and support services. Some offer return-of-premium features if no claim is made after a certain period.

Business Insurance Services

Commercial Property Insurance

Protects your business property including buildings, equipment, inventory, and furniture against damage from fire, theft, vandalism, and certain weather events. Can be tailored to specific business types and risk exposures.

We help determine appropriate coverage limits and identify potential coverage gaps in your current policy.

General Liability Insurance

Protects your business if you're sued for causing injury or property damage to others. Covers legal defense costs, settlements, and medical expenses. Essential for businesses that interact with customers, clients, or the public.

We help determine appropriate liability limits based on your business size, industry, and risk exposure.

Professional Liability

Also known as errors and omissions insurance, this protects professionals who provide advice or services against claims of negligence, errors, or omissions. Essential for consultants, accountants, lawyers, and other service providers.

We tailor coverage to your specific profession and the unique risks associated with your services.

Travel Insurance Services

Super Visa Insurance

Mandatory coverage for parents and grandparents visiting Canada on a Super Visa. This insurance must provide a minimum of $100,000 coverage, be valid for at least one year, and cover healthcare, hospitalization, and repatriation.

Policies must be from a Canadian insurance company or a foreign insurer authorized by Canada's Office of the Superintendent of Financial Institutions.

Trip Cancellation & Interruption

Protects your travel investment if you need to cancel or cut short your trip due to covered reasons like illness, injury, or unforeseen events. Reimburses non-refundable trip costs including flights, accommodations, and tours.

We offer single-trip and multi-trip annual policies with various coverage levels to match your travel frequency and needs.

Emergency Medical Travel Insurance

Covers emergency medical expenses while traveling outside your home province or country. Provincial health plans provide limited coverage outside your home province and virtually none outside Canada.

We help you select appropriate coverage limits based on your destination, age, health conditions, and trip duration.

What Our Clients Say

Don't just take our word for it. Here's what our valued clients have to say about their experience with I-Rate Financial Ltd.

"I-Rate Financial helped me bundle my auto and home insurance, saving me over $500 annually while improving my coverage. Their expertise in comparing policies from multiple providers ensured I got the best value. Highly recommend their service!"

Michael Chen

Michael Chen

Auto & Home Insurance Client

"As a small business owner, I needed comprehensive coverage that wouldn't break the bank. I-Rate Financial analyzed my specific risks and found me a business insurance package that provides complete protection at a reasonable price. Their ongoing support is exceptional."

Sarah Johnson

Sarah Johnson

Business Insurance Client

"When I needed Super Visa insurance for my parents visiting from overseas, I-Rate Financial made the process seamless. They explained all requirements clearly and found a comprehensive plan that gave us peace of mind throughout their stay. Exceptional service from knowledgeable professionals."

Priya Patel

Priya Patel

Travel Insurance Client

15+

Years of Experience

2,500+

Clients Served

98%

Client Satisfaction

5-Star

Insurance Categories

Contact Us

Our Office

2359 Royal Windsor Dr, Mississauga, Ontario L5J 4S9

Phone Number

+1 (416) 800-4332

Email Address

info@I-rate.ca

Business Hours

Monday - Friday: 9:00 AM - 6:00 PM

Saturday: 10:00 AM - 2:00 PM

Get Your Free Insurance Quote

Our team of insurance experts is ready to help you find the right coverage across all categories. Contact us today for a free, no-obligation consultation and quote.

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Why Choose I-Rate Financial?

  • Comprehensive coverage across all 5 major insurance categories
  • Access to multiple insurance providers for the best rates
  • Expert guidance through the qualification and claims process
  • Bundle discounts available for multiple policies