About Us
Tailored For You & Your Priorities
Tailored For You &
Your Priorities
We make it simple to protect the things that matter to you. We specialize in the very best that the insurance industry has to offer from coverages, pricing options, claims support, discounts and much more.
Groupe Cyr & Lyras Insurance has been providing insurance choices, advocating claims and provided insurance advice since 2019.
Groupe Cyr & Lyras Insurance Brokers take care of the details so you can get on with your life. When the unexpected happens, you’ll be ready for it.
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Insurance Partners
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Frequently Asked Questions
What Is Insurance?
Insurance is a safety net to protect you and your family’s financial well-being in the case of an unexpected loss. It is a legal arrangement that guarantees support in the event of a covered accident or incident.
What Is A Deductible?
A deductible is the portion you are responsible for paying in the event of a claim. For example, if your car insurance policy has a $1,000 deductible for collision and there are $5,000 in damages, you will pay the first $1,000 and the insurance company will pay the remaining $4,000.
What Is A Replacement Cost?
Replacement cost is the total cost that your insurance company would pay to fully reconstruct your home if it were destroyed. Replacement costs include things that may not be included in the resale value, like the cost and availability of skilled labour, debris removal, extra expense due to more stringent building codes, and more. If you made upgrades or did renovations, talk to your broker to make sure you have the right coverage.
Depending on the coverage you have, you could spend the replacement cost however you wish. With no obligation to rebuild, you could downsize and keep any leftover money. Certain restrictions apply, so call a Groupe Cyr & Lyras Insurance Broker to see which coverage is right for you.
How Do I Ensure I Have Enough Coverage?
How Can I Lower My Insurance Cost?
To lower your premium, ask a Groupe Cyr & Lyras Insurance Broker about the following:
- increasing your deductible (i.e., your share of the cost of a claim) – by increasing the amount you are willing to pay, you will decrease your premium;
- dropping collision coverage on an older car;
- bundling your car and home insurance;
- installing an approved theft deterrent system in your vehicle;
- buying a car with a lower-cost insurance rating.
How Does Bespoke Tailor My Insurance Policy To Me?
No matter what business you’re in, it’s essential to have the right protection in place.
Groupe Cyr & Lyras Insurance Brokers work hard at the science of what we do: we analyze information, assess risk and measure results. We take the time to understand the unique needs of your industry and work alongside you to develop the best solution for your situation.
What Is Insurance?
Insurance is a safety net to protect you and your family’s financial well-being in the case of an unexpected loss. It is a legal arrangement that guarantees support in the event of a covered accident or incident.
What Is A Deductible?
A deductible is the portion you are responsible for paying in the event of a claim. For example, if your car insurance policy has a $1,000 deductible for collision and there are $5,000 in damages, you will pay the first $1,000 and the insurance company will pay the remaining $4,000.
What Is A Replacement Cost?
Replacement cost is the total cost that your insurance company would pay to fully reconstruct your home if it were destroyed. Replacement costs include things that may not be included in the resale value, like the cost and availability of skilled labour, debris removal, extra expense due to more stringent building codes, and more. If you made upgrades or did renovations, talk to your broker to make sure you have the right coverage.
Depending on the coverage you have, you could spend the replacement cost however you wish. With no obligation to rebuild, you could downsize and keep any leftover money. Certain restrictions apply, so call a Groupe Cyr & Lyras Insurance Broker to see which coverage is right for you.
How Do I Ensure I Have Enough Coverage?
Your insurance broker will assess your needs based on the details you provide about your home, vehicle or business. In case of home insurance, a complete inventory of your belongings will help you get the right coverage and make it easier to file a claim. In case of business insurance, a detailed analysis of your business with a Bespoke expert will ensure the fullest coverage at the best rate possible.
How Can I Lower My Insurance Cost?
To lower your premium, ask a Groupe Cyr & Lyras Insurance Broker about the following:
- increasing your deductible (i.e., your share of the cost of a claim) – by increasing the amount you are willing to pay, you will decrease your premium;
- dropping collision coverage on an older car;
- bundling your car and home insurance;
- installing an approved theft deterrent system in your vehicle;
- buying a car with a lower-cost insurance rating.
How Does Bespoke Tailor My Insurance Policy To Me?
No matter what business you’re in, it’s essential to have the right protection in place.
Groupe Cyr & Lyras Insurance Brokers work hard at the science of what we do: we analyze information, assess risk and measure results. We take the time to understand the unique needs of your industry and work alongside you to develop the best solution for your situation.