In today’s complex insurance landscape, finding the right coverage at the best price can feel overwhelming. With countless options, confusing policy terms, and rising costs, many families struggle to navigate the insurance maze alone. This is where partnering with a trusted insurance broker like Higgins Insurance makes all the difference.
For over 30 years, Higgins Insurance has been more than just an insurance provider – we’ve been your neighbors, advocates, and trusted advisors. Our team of experienced brokers doesn’t just sell insurance; we build relationships and protect what matters most to you and your family.
What Makes an Insurance Broker Different?
Unlike insurance agents who work for a single company, insurance brokers work for you. We represent multiple insurance providers and have the freedom to shop the market on your behalf. This means we can compare coverage options, negotiate better rates, and find the perfect policy tailored to your unique needs.
At Higgins Insurance, we take this responsibility seriously. Our brokers are licensed professionals who stay current with industry trends and regulations. We’re not just salespeople – we’re your personal insurance consultants committed to your financial wellbeing.
The Top 5 Benefits of Choosing Higgins Insurance
1. Comprehensive Coverage Through Multiple Providers
One of the greatest advantages of working with Higgins Insurance is our access to over 15 unique insurance markets. This extensive network allows us to find the right coverage for your specific situation, whether you need auto, home, motorcycle, or life insurance.
Our brokers don’t just offer you the first policy they find – they carefully evaluate your needs and match you with the insurance company that provides the best combination of coverage, service, and value.
2. Significant Savings on Money and Time
At Higgins Insurance, we understand that your time is valuable. Instead of spending hours researching different insurance companies and comparing quotes, our experienced brokers do the legwork for you. We leverage our relationships with multiple insurers to negotiate competitive rates and find discounts that may not be available to the general public.
We’re particularly proud of our discounted rates for Municipal, Provincial, and Federal workers. These group discounts can result in substantial savings, giving you more disposable income for your family’s needs. Our team works diligently to create the right insurance packages at the most competitive prices.
“We will find you the best price for the coverages you need. Our team of brokers work to create the right home & car insurance packages and to offer the most competitive insurance quotes.“
3. Protection for You and Your Family
Insurance isn’t just about policies and premiums – it’s about protecting your family’s financial future. Our brokers take the time to understand your unique circumstances, from your family size to your financial goals, ensuring your coverage evolves with your life.
We help you evaluate your insurance needs and provide the right protection at affordable rates. Whether you’re a new homeowner, welcoming a new family member, or planning for retirement, we’re committed to helping you preserve and protect what you own and cherish.
4. Your Advocate When Things Go Wrong
When disaster strikes, you need more than just an insurance policy – you need an advocate. Our 24/7 claims support means you can call us anytime to be connected with an adjuster and begin your claim process. We don’t disappear after we sell you a policy; we’re there when you need us most.
Our goal is to make your claims experience as positive as possible during what is often a stressful time. We work directly with insurance companies on your behalf, ensuring your interests are protected and that you receive fair treatment throughout the claims process.
5. Knowledge, Experience, and Genuine Care
What truly sets Higgins Insurance apart is our people. Our Director of Business Development, Bob Keays, brings over 30 years of insurance industry experience and embodies our core values of kindness, care, and putting customers first. As Bob shares, “I know I am doing something to protect people. For me, it is about making sure people (and their families’) financial wellbeing are protected.“
Our personalized service allows us to get to know you by name and build lasting connections. We believe that by nurturing our relationships, we create an organization unparalleled in its ability to meet your needs. When you call our office, your call is answered immediately by one of our First Impressions Team members, connecting you directly with a Higgins Insurance broker.
The Higgins Insurance Difference
At Higgins Insurance, we’ve built our reputation on core values that guide everything we do:
Kindness: We believe in treating every client like family, with genuine care and respect.
Experience: With 30 years of specializing in group insurance, we’ve been managing the car and home insurance needs of 100+ affinity groups.
Innovation: Our team uses new technologies in a creative environment to build the best insurance packages for each client’s unique requirements.
Education: We explain various coverages to help you make informed decisions and minimize risk.
Customer First Priority: We try to anticipate your every need and strive for your total satisfaction.
Why Choose a Broker Over Direct Insurance?
While buying insurance directly from a company might seem convenient, you miss out on valuable benefits:
- Limited Options: You’re restricted to one company’s products and pricing
- No Advocacy: During claims, you’re on your own with no one to advocate for your interests
- Less Personalized Service: You may end up in call centers rather than speaking with a dedicated professional
- Missed Opportunities: You might miss out on better coverage options or discounts available through brokers
Ready to Experience the Higgins Insurance Difference?
Don’t navigate the complex world of insurance alone. Our team of caring, knowledgeable brokers is ready to find you the best coverage at the best price. Whether you’re looking for your first policy or reviewing your existing coverage, we’re here to help.
Contact Higgins Insurance today and discover why thousands of families across Atlantic Canada trust us with their insurance needs. Because when you choose Higgins Insurance, you’re not just getting a policy – you’re joining a family that’s committed to protecting yours.
Start your quote in seconds and let us show you how we can save you money while providing the coverage and service you deserve.
To learn more about our team and values, read about Bob Keays’ perspective on insurance and his role as Director of Business Development at Higgins Insurance.