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Chen & Gardner Insurance
Excellent
85 Queen Street, Kitchener, ON N1A 1D5
Profile last updated: February 20, 2026
Est. 2018 5-10 team members
3.1
Since our founding, Chen & Gardner Insurance has been dedicated to providing outstanding insurance services to the people of Kitchener and Ontario. As an independent broker, we proudly represent our clients -- not the insurance companies -- ensuring you always receive unbiased advice and competitive pricing.
We specialize in personal insurance including auto, home, and tenant coverage, as well as commercial insurance for businesses of all sizes. From startups to established enterprises, we tailor our solutions to match your specific risk profile.
Though we are a newer brokerage, our team brings years of individual industry experience and a fresh, client-centric approach to insurance. Trust Chen & Gardner Insurance for honest advice, competitive rates, and the kind of personal service that only a local independent broker can provide.
Contact Information
Location
85 Queen Street
Kitchener, ON N1A 1D5
Location Map
85 Queen Street, Kitchener, ON N1A 1D5
Get DirectionsInsurance Lines
Home InsuranceTenant InsuranceBusiness Insurance
Specialties
High-Risk DriversFleet InsuranceCommercial AutoProfessional LiabilityCyber Insurance
Business Hours
SundayClosed
Monday09:00 - 17:30
Tuesday09:00 - 17:30
Wednesday09:00 - 17:30
Thursday09:00 - 17:30
Friday09:00 - 17:30
Saturday10:00 - 14:00
Languages
English
Photos
Reviews
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3.1
8 reviews
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D
David Hamilton
Feb 2026
Renewal was painless
Just went through my annual renewal with Chen & Gardner Insurance. They proactively reviewed my home insurance and found me a better rate without me even asking.
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Philippe Martin
Nov 2025
Would recommend to anyone
The team at Chen & Gardner Insurance in Kitchener went above and beyond to help us. They shopped around and found us home insurance that was significantly cheaper.
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M
Matthew Robertson
Apr 2025
Great experience!
I had an excellent experience with Chen & Gardner Insurance. They found me the best auto insurance rate in Kitchener and the whole process was seamless.
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F
Fatima Campbell
Mar 2025
Could be better
The rates Chen & Gardner Insurance found for my home insurance were okay, but I found a similar quote on my own online. The personal service was nice though.
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S
Samantha Taylor
Nov 2024
Average experience
My experience with Chen & Gardner Insurance was average. They found decent auto insurance rates but nothing spectacular. Communication could be improved.
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N
Nathan Li
Feb 2024
Local knowledge matters
Chen & Gardner Insurance really understands the local insurance market in Kitchener. Their connections with insurers helped me get coverage that bigger brokers couldn't.
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N
Nathan Chen
Jan 2024
Happy with the savings
Saved about $200 on my auto insurance by switching through Chen & Gardner Insurance. The broker was friendly and professional. Renewal process was smooth.
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R
Ryan Johal
Jan 2024
Decent service
Got my tenant insurance through Chen & Gardner Insurance. The price was fair and the coverage is good. Wish they had evening hours for working professionals.
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