Personal Insurance Coverage in Ontario

What you need to know

From Home Insurance to Life Insurance, individual needs are different.

Personal Insurance solutions are there to protect your physical assets, such as your home and vehicle, as well as financial loss in the event of a lawsuit brought against you.

Life Insurance should be looked at to protect your family from the financial hardships that many people face in the event of an unforeseen death. Life Insurance is an important foundation for every financial plan and should be looked at when reviewing your personal insurance needs.

James Campbell Insurance is here to provide you with the guidance to help protect what matters most. Contact us to see about what personal insurance options are available for you and your family.

Insurance To Cover Your Personal Needs

Home
Insurance

High Value
Homes & Estates
Insurance

Tenants
Insurance

Condo
Insurance

Cottage/Seasonal Home Insurance

Auto
Insurance

Personal Liability Insurance

Boat
Insurance

Classic Car
Insurance

RV & Trailer
Insurance

Motorcycle
Insurance

Recreational Vehicle Insurance

Umbrella
Insurance

Not Seeing Personal Insurance coverage that suits you?

Industries
Architects
Auto Repair Shops
Brewery
Cemetery
Condominium Corporations
Construction
Consulting

Education
Entertainment
Equipment Rental
Financial
Fitness
Food & Beverage
Golf Course & Country Clubs
Hospitality

Houses of Worship
Legal
Manufacturing
Non-Profit
Real Estate
Sports
Technology
Wineries / Cider House

Why do I need Personal Insurance Coverage?

There are clearly many reasons you may be looking at insurance for your personal assets. Protecting yourself and your family from unforeseen financial losses is a driving factor. These losses come in different forms with the main one being physical damage to your personal property, like vehicles or homes you may own. Oftentimes we spend significant amounts of money on our personal assets and it is important to make sure that our investment is protected in the event of a loss. As well as physical damage, it is extremely important to make sure we are protected in the event we are held liable for property damage or bodily injury we may cause to others. Having a lawsuit brought against you can be financially detrimental and it is important that we have coverage in place to protect us in the event we are sued.

It’s easy to get started

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Types of Personal
Insurance Coverage

Home Insurance

Auto Insurance

Condo Insurance

Tenants Insurance

Life Insurance

Health Insurance

Dental Insurance

FAQs

What Types Of Insurance Does James Campbell Insurance Offer?

James Campbell Insurance offers a wide variety of personal and commercial insurance options for our clients. We offer vehicle, home and business insurance and more through a large network of insurance providers in Canada.

How Do I Lower My Insurance Costs?

If you are interested in lowering your insurance premium, speak with your insurance broker about the following:

Increasing your deductible (your share of the cost of a claim). By increasing the amount of the deductible you are willing to pay, you will decrease your premium;
Dropping your collision coverage on an older car;
Bundling your car and home insurance with other types of insurance with the same insurance provider;
Buying a car with a lower-cost insurance rating.

How Can I Make Sure I Have Enough Insurance?

Our experienced insurance brokers can help you assess your needs based on the details you provide about your home, business or vehicle. In the case of home insurance, taking a complete inventory of your belongings will help you understand how much coverage you need and this will also make it easier for you to file a claim. Along with your contents, your dwelling limit is required to be insured to value. Therefore it is important to let us know about renovations and updates that you make to your home.

What Is A Deductible?

A deductible is the dollar amount you are responsible for paying when making a claim. For example, if your auto insurance policy has a $1,000 deductible for vehicle collision and there are $5,000 in damages, you will pay the first $1,000 then your insurance company will pay the remaining amount of $4,000.

What Is A Replacement Cost?

Replacement costs are the total cost that your insurance company will pay to fully reconstruct your home if it were destroyed. The replacement cost will include things that may not be included in the resale value, like the cost and availability of skilled labour, debris removal, other expenses related to building codes, and more. If you have made upgrades or renovations to your home, be sure to speak with your broker to make sure you still have the right coverage.

What Information Do I Need For An Insurance Quote?

For an Auto Insurance quote, your driver’s license number, insurance history and driving records are important factors in getting an accurate quote. For a Home Insurance quote, details on the home, such as year built, square footage, style of home and updates on the roof, electrical, heating, and plumbing are all important factors in determining the premium. Additional factors, such as acreage, swimming pools and ponds all play a role in determining the coverage you will need along with the premium.

Katrina Best

2023-02-12

I wanted to highlight the exceptional service provided by Brian Morton. He offered exceptional advice, limitless support, and endless patience while answering all my questions about travel insurance. He is thorough in his works and shows dedication to giving the best advice and service to all his customers. My family has trusted James Campbell with our car insurance for around 5 years, and we appreciate the continuous support in all types of insurance. Thank you Brian for explaining the logistics of different policies and breaking it down into an easy-to-understand way. I will be sure to use their services again in the future.

Ian Newton

2022-08-08

Excellent service from experienced people, Terri Lynn excellent knowledge and very responsive. Highly recommended.

Amanda Southern

2022-03-25

Terri-Lynn was amazing and super knowledgeable about our families needs for insurance. She made changing our insurance companies absolutely seamless. I definitely recommend her and James Campbell for anyone looking!!

Basil Fernandes

2022-03-07

I have been with James Campbell Insurance with home and auto insurance most of my adult life and Terri-Lynn Thompson has been there for me. Terri has always found the best insurance for my needs at any given time or circumstances. She is professional, gives great advice and guidance. I would highly recommend their services to anyone.

Michael Evans

2022-02-25

I have been with James Campbell Insurance for over 10 years now. I have nothing but good things to say, customer service is excellent. Terri-Lynn has been a great help over the years. Always finds what policies best work for us. Highly recommend for anyone looking for an insurance broker to work with!

H S

2022-02-24

Cannot say enough about James Campbell! Our family has used them for years and I only wish I had switched sooner. Having a dedicated broker to help walk through insurance questions has been invaluable (our past insurance company was a different call centre rep each time). Lesley is fabulous and we have also had great experiences with Terri-Lynn and Karen.