Welcome to Reith & Associates. Serving the community since 1914

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8:30 AM to 4:30 PM

Monday to Friday

462 Talbot Street

St. Thomas, ON N5P 1B9

Property Insurance Ontarians can't do without

Coverage that’s right for your property

Protect your property against all odds

You’ve worked hard to build a home or business but what if it burns down in ashes on some fateful day? We are never prepared for such tragedies but you can salvage a significant part of your investment if you have a property insurance cover.

At Reith & Associates, we help you buy Ontario’s best property insurance policy that covers maximum risks like but not limited to

  • Fire or water-related events
  • Theft or burglary
  • Vandalism
  • Explosions Temporary accommodation
  • Personal liability

Whether you reside on the property or renting it out to someone else, you have the right to claim damages if something unthinkable happens.

And our insurance brokers help you with that.

We assess your needs and employ a well-thought-out approach to find a property insurance policy at competitive market rates in Ontario.

Why Partner with Reith & Associates

Industry Experience

We have 100+ years of industry experience in protecting your business interests. You can trust us with your business insurance needs.

Registered Brokers

Qualified, Professional & Works with Registered Insurance Brokers of Ontario (RIBO). Get fair, independent & impartial advice every single time.


We’re the most award winning insurance broker in St. Thomas & London region. & We refuse to stop working towards excellence and earning industry appreciation.


Quick, Easy & Convenient. We plan and execute every project with meticulous attention to details and the urgency of the situation.

24/7 Help

Reach out to us anytime, anywhere via our web based portal and mobile app. Available to answer your questions 24*7.

Save Money

Bundle up business insurance policies & save big. We’ll do a review & get your maximum savings without altering the coverage.

Safe & Secure

Your business information is protected from unauthorized access, data theft or any unethical activity. Trust us with your auto insurance needs.

Customer Reviews

We value our clients and so do they. Check our customer reviews that are a testament of dedicated & our professional services.

Basic, broad or comprehensive property insurance — we can help you decide.

Your property needs to be protected. Be it theft, physical damage or any other specific coverage your property needs, our registered insurance brokers can guide you through.

Basic Coverage: It covers damages caused by fire accidents, lightning, smoke, wind storms, hail explosions, civil commotion, aircraft strikes, theft, vandalism, vehicles banging the property and volcano eruptions. You can only choose one of the options.

Broad coverage: It covers some more risks in addition to what’s covered in basic coverage, namely falling objects, heavy ice cover, snowfall, an accidental burst of water or gas pipes and electric shocks.

Comprehensive coverage: It is the most popular property insurance in Ontario for reasons we are about to share. It is an open perils policy that covers almost all sorts of property damages including the valuables stored.

Share your coverage needs with our insurance broker and we can share all the feasible property insurance options in Ontario you can have.

Step-up Property Insurance with Add-ons

Protect your property in ways more than one. Select add-on insurance coverage for a tailored property insurance policy.

Personal Contents

Covers valuables like jewelry, fine art and antiques

Identity theft Protection

Recovers financial & legal costs incurred due to loss of identity proofs

Above Ground Water Protection

Protection from water discharge, backup and overflow.

Personal Umbrella

Provides extra liability coverage to your home and car

Home Sharing Coverage

Intended for renters only. Coverage for rented property

Choice Is Yours

Recover investment for repairs/rebuild or settle with a cash offer

Whether you own a small home or an opulent commercial site, keeping what you value the most, safe and secured from damages and unexpected incidents is your duty. One can’t undo the property damage but you can recover a handsome sum of money for repairs, renovations or even for buying a new property.

We can be your steady partner in the journey. From buying a policy to filing claims and more, talk to one of Ontario’s property insurance brokers and get everything sorted in no time.

Insurance Companies We Work With

Frequently asked questions

As the name suggests, typical property insurance covers damages against the following risks:

  • Fire
  • Theft
  • Explosions
  • Vandalism
  • Water & fire-related damage
  • Lightning strikes
  • Smoke
  • Electrical current or shocks
  • Storms and hail storms
  • Falling objects like huge rocks, volcanic discharge etc.

If you need specific coverage for your property, do not look further than Reith & Associates for the best and cheapest property insurance quotes in Ontario.

The best answer to the question depends on the property details and the kind of risks you want to be covered. Basically, there are three types of insurance covers:

  • Basic coverage protects against specific perils or risks specified in the policy.
  • Broad coverage protects your property against all physical damages but the personal assets are covered for specific risks only.
  • Comprehensive coverage is an all-inclusive policy that covers almost all the risks that may damage your property and the contents. However, it does not offer protection against floods, earthquakes and such uninsurable events.

If you are unsure and/or need more information, reach out to Reith & Associations for a property risk assessment and get instant insurance quotes online.

There are many insurance companies that top the list of most industry experts including Allstate Insurance, Desjardins Insurance and The Co-operators.

However, at Reith & Associates, we do not act as a brand representative of any insurance company. We are fair, honest and work in the best interest of our clients.

While you want the lowest property insurance rates in Ontario, the first and foremost concern should be getting the maximum coverage for your property at an affordable price. And we can do that for you.

We will explore the options, compare rates and save your time by locking it for you. Reach out to us 24*7 online.

  • Try to increase deductibles
  • Consider installing smoke detectors or fire alarms
  • Hire a property maintenance firm that manages your electrical, plumbing and mechanical systems and reduces the frequency of filing insurance claims. You can also consider upgrading your home for better energy efficiency and safety.
  • Buy more insurance policies from the same firm like auto insurance, business insurance, life insurance etc.
  • Instead of monthly, consider annual premium installment.
  • Research online for more competitive insurance quotes.
  • Do not hesitate to ask for a discount.

Yes, you’re free to move on if unhappy with the insurance. But do not forget to continue protecting your property with another insurance policy. Surf the internet, consult an insurance agent or hire an insurance broker for competitive quotes from multiple insurance brands.

Every Customer Question Is Answered Here—Ask 24*7 Support

If your question is not listed here, we are happy to answer over a phone call. Give us a call at (519) 631-3862, Monday–Friday, 8:30 am – 4:30 pm or by appointment after the office hours.

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