Insurewithchetan - Chetan Sharma Insurance Advisor

05/20/2026

Looking for insurance made simple? From Auto and Home to Life and Commercial, I’ve got you covered. Get personalized advice from a licensed professional you can trust. 💼
📍 Serving Ontario
🔗 Link in bio for a free quote!

04/16/2026

The “Neighbor Mystery” Solved. 🕵️‍♂️

Ever wondered why your renewal came in higher than the person next door? It’s not a mistake—it’s math.

Swipe through ⬅️ to see the 4 main factors that determine your unique rate and why “shopping around” on your own can lead to more confusion than savings.

Don’t guess your coverage. Know it.

📩 DM me “CHECK” and let’s look at your profile together.

HomeInsurance FinancialLiteracy

04/01/2026

🏠 First-time home buyer in Brampton or the GTA? Read this before you finalise your insurance.
Most people assume “full coverage” means everything is covered. It doesn’t.
Two things most standard policies in Ontario don’t cover:
🔴 Service Lines — the pipes between the street and your house. If they crack or burst, the repair is entirely on you. Can cost $5,000 to $20,000.
🔴 Sewer Backup — one heavy rainstorm can flood your basement. Most standard policies exclude this unless you specifically add it.
I’m Chetan — independent RIBO licensed broker in Brampton. Comment HOME below or send me a message and I’ll do a free policy gap analysis for you. No obligation. 🙏
Chetan Sharma · All Risk Insurance · RIBO Licensed

03/25/2026

ਬਰੈਂਪਟਨ ਵਿੱਚ ਕਾਰ ਇੰਸ਼ੋਰੈਂਸ ਇੰਨੀ ਮਹਿੰਗੀ ਕਿਉਂ ਹੈ? ਇਹ ਤੁਹਾਡੀ ਡਰਾਈਵਿੰਗ ਕਰਕੇ ਨਹੀਂ — ਇਹ ਫਰੌਡ ਹੈ 🚨
Aviva Insurance ਦੀ report ਮੁਤਾਬਕ Canada ਵਿੱਚ staged accidents 400% ਵਧ ਗਏ ਨੇ। ਇਹਨਾਂ fraud claims ਦਾ ਬਿੱਲ ਆਉਂਦਾ ਹੈ ਤੁਹਾਡੀ ਜੇਬ ਵਿੱਚੋਂ — renewal ਤੇ।
ਜੇ renewal ਆ ਰਹੀ ਹੈ ਜਾਂ ਲੱਗਦਾ ਹੈ ਜ਼ਿਆਦਾ pay ਹੋ ਰਿਹਾ ਹੈ — DM ਕਰੋ QUOTE। Free ਹੈ, ਕੋਈ commitment ਨਹੀਂ। 🙏
📺 Source: CTV News — original report by
Chetan Sharma · All Risk Insurance · RIBO Licensed

03/21/2026

Your car deserves the right protection — and so does your wallet.
I’m Chetan, an independent RIBO licensed broker in the GTA. I shop the entire market to find you the best rate. Not tied to any single insurer. Always in your corner.
Renewal coming up? DM me QUOTE — free comparison, no obligation. 🙏

03/18/2026

Drivers in the GTA are already paying some of the highest car insurance rates in Ontario — and a lot of people are still overpaying on top of that without even realising it.
Most people just renew every year without comparing. The price creeps up slowly and nobody calls you to say hey, we found you a better deal.
I’m Chetan — independent RIBO licensed broker in the GTA. I compare multiple companies to find you the best rate. And if your current rate is already the best — I’ll tell you that honestly too.
Renewal coming up? DM me the word QUOTE. Free comparison, no obligation. 🙏

03/16/2026

Brampton Drivers: It’s time to talk about the 2026 Auto Insurance Reforms. 🚗💨

Many people are seeing their premiums rise and don't understand why. As a dual-licensed Broker (RIBO & LLQP) and MBA, I’ve spent the last week analyzing the July 1st legislative changes so you don’t have to.

The "cheapest" policy might now leave you with zero income replacement if you’re injured. Don't find out the hard way.

📍 I’m officially open at my new Brampton office for in-person consultations by appointment.
📩 Message me "REVIEW" or comment below if you want a plain-English breakdown of your current coverage.

03/11/2026

⚠️ Important for anyone bringing parents or in-laws to Canada on a visitor or super visa.
Visitor insurance sounds simple — but claim denials happen more than people think. The three most common reasons:

Pre-existing conditions not properly declared or excluded
A medication change in the months before travel — even a small dosage change can affect your claim
Stability clauses — most policies require conditions to be "stable" for 90–180 days before departure

I'm a RIBO-licensed independent broker in Ontario. I'll compare the right policies and make sure your family is genuinely covered — not just on paper.

Comment VISITOR below or send me a message for a free review. 🙏

02/27/2024

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08/08/2011

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