Personal Insurance Products

Home Insurance

Your home should be insured from the moment you take legal ownership - even if it is still under construction. Your broker's expertise is particularly useful at this stage when you really need to match policy features with needs. Here's a primer to get you started:

Home insurance covers the building, its contents and liability.

There are usually three parts to your homeowner's policy, the building, its contents and liability. For condominium owners and tenants, just the contents and liability coverages apply.

Policies range from comprehensive to "bare-bones."

You can save money by scaling down your policy but be careful not to under-insure. Choose from these general policy categories:

1. Comprehensive
2. Basic/Named Perils
3. Broad

Automobile Insurance

Whether you are transferring your insurance from another province, seeking to change insurers or have bought a car for the first time, the process of getting insurance could be quite daunting. In general, the more the insurer knows about you and your driving record, the better off you will be, even if your record is less than perfect. Full disclosure at the beginning will prevent any risk of misrepresentation if you do need to make a claim in the future. This is an area where your broker can be of particular assistance, helping you to navigate the terrain.

There are three main categories of information required:

1. Information about you.
2. Information about the vehicle.
3. Information about your coverage requirements

Business Insurance Products

Commercial Insurance

Anyone operating a business, whether it's home-based, a large industrial operation or a professional services office, needs commercial insurance as part of an overall risk management strategy.

Every business has unique requirements

Your commercial insurance should be designed to protect against the most prevalent risks to the assets and capital in your business. Your broker can help you itemize and quantify those risks, and determine the level of coverage you should consider. Risks include:

Property loss

Liability loss

Net income loss

Our Community

At Reuter & Reilly Insurance Brokers, we believe in giving back to our community. 

We sponsor various children's sports teams including basketball, soccer, hockey and other events within our community.

As well, we also give our time and financial contributions to the Niagara Centre YMCA in order that they may provide camps and programming for children that may not otherwise be able to afford such valuable experiences.

In addition, Jeff Reuter, the owner as well as several staff members volunteer their time to various non-profit organizations and boards of directors within the community.

We recognize the support that you give to us by giving back to the community.