Home Insurance Ontario
Property & Home Insurance quotes
Your home is likely one of your biggest investments that you will ever make, it is important to protect that investment. At James Campbell Insurance we have been helping our clients find the best possible home insurance coverage for over 40 years. Our care and commitment to our clients is at the heart of everything we do.
Home insurance policies can vary company to company. Along with products offered by companies, your home’s location, age and other factors may determine what coverage is available.
Incorporated in 1978, James Campbell Insurance has been a reliable partner for protecting your most valuable assets. Our team of experienced insurance brokers are dedicated to making sure that your home insurance is providing you with the coverage you need at the best price possible.
Having long standing trusted relationships with some of the top insurers in Canada. We have the knowledge and experience to help you find the right home insurance with the right coverage at the right price.
As a full-service insurance brokerage in Ontario, we strive to deliver tailored insurance offerings with unified, seamless and best-in-class customer service experiences.
Let James Campbell Insurance help you find the right home insurance solution today.
Comprehensive Home Insurance Coverage
It is important to familiarize yourself with your comprehensive homeowners policy coverages. These coverages can be broken out into several key sections.
Property Insurance
Coverage A – Your Home
This coverage will insure your dwelling and attached structures including outdoor swimming pools and attached equipment on the premises. It is important to make sure your home is insured to its correct replacement cost. With changing building costs and inflation the cost to replace your home may be more than what is listed on your policy. It is always important to speak to your broker if you have any questions regarding the limit on your policy for your dwelling.
Coverage B – Detached Structures
Under this section of your homeowners policy there will be a limit for detached private structures. Your detached structure limit is typically a percentage of coverage A. Check your coverage on the policy to make sure that your limit for detached structures is sufficient. This coverage is meant for standard garden sheds and outbuildings. If you are using your outbuilding for farming or any commercial use you would need to schedule it on your policy accordingly.
Coverage C – Your Personal Property
The contents of your home and other personal property you own, wear or use are insured under this section of your policy and again this limit will be a percentage of coverage A. Typically limits will range from 75-90% of coverage A. This coverage also insures your belongings while they are temporarily away from your premises, anywhere in the world. And coverage usually extends to the personal property of a student who is temporarily living away from home for the purpose of attending school, college or university.
Coverage D – Loss of Use of Your Dwelling
This helps to cover increased expenses if your home is deemed unfair to live in due to an insured claim. This ensures your family is financially supported while your home is being repaired or rebuilt. It can be used for moving expenses and/or temporary living expenses so you can maintain your normal standard of living.
Liability Coverage:
This is the portion of your policy that covers you in the event you are sued. It provides protection for your personal actions anywhere in the world as well as liability protection in case someone is injured on your property or you accidentally cause damage to someone else’s property. It is important to make sure the limit on your policy is sufficient as lawsuits continue to grow in frequency as well as severity
Important Add ons & Endorsements for your Home Insurance
Your Home policy often excludes certain perils and to obtain coverage you need to add coverage to your policy by the way of an endorsement. Some important add ons or endorsements are listed below.
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Sewer Backup
- Provides coverage for loss or damage caused by the sudden and accidental backing up or escape of water or sewage from a sewer, sump pump or septic system
- Limits for sewer backup can vary depending on the location of your home. It is important to check with your insurance broker to make sure you are aware of what coverage limit is on your home insurance policy.
- Also be aware of your deductible with regards to water damage; it is often higher than your standard deductible.
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Overland Water / Flood
- Flood coverage can be added to your policy depending on where your home is located. This coverage is to protect your home from a rising, breaking out, or overflow of a body of water, whether natural or man-made. Also surface waters due to the unusual and rapid accumulation or run off of surface waters
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Earthquake Coverage
- Not standard on your home policy, earthquake coverage can be purchased as an endorsement to your policy. Depending on the location your your property you may or may not be able to access this coverage.
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Service Line Coverage
- This coverage extends beyond a basic homeowners policy, insuring the service lines to and from your property. While the city is responsible for the main service lines, the portion of serving lines that are on your property are your responsibility.
- Types of services lines that could be impacted
- Sewer/Septic Line
- Watermain
- Electrical
- Telecommunications
- Geothermal Plumbing (Ground Loop Piping)
- Limits for this coverage vary depending on your insurance provider. It is important to speak to your broker to see what coverage limits are available.
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Home Based Business Coverage
- Do you run a small business from your home? Commercial operations are excluded on your standard homeowners policy. It is essential if you are generating revenue from business to protect yourself from a range of liabilities.
- Every company has different guidelines for this endorsement so it is important to speak with your insurance broker to see if coverage can be added to your home policy.
- If higher limits or broader coverage is required, a commercial insurance policy should be considered
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Scheduled Items / Special Limits –
- Companies have set limits for certain items; these items will be listed under special limits. Common items such as boats, jewellery, sports equipment and bicycles will typically be subject to a limit on your home policy unless you choose to schedule them. It is always important if you have a high value item to speak with your broker to make sure that it is scheduled on your policy accordingly.
Common Exclusions that may be on your Home Policy
Every policy has common exclusions that as a homeowner you should be aware of. Typical exclusions and most common excursions on property policy are listed below.
- Buildings or structures used in part for business or farming
- Wear & Tear , Mechanical breakdown, deterioration
- Damage Caused by continuous or repeated seepage or leakage of water.
- Rendering or failure to render any professional services
- Caused by war
- After to your knowledge the property has been vacant for more than 30 days
- Caused by earth movement
Customizable Insurance Solutions
James Campbell works with our clients and listens to our clients needs to ensure the policy they choose meets their insurance requirements. Working with a broker you gain the benefit of someone who understands your situation and is able to provide you solutions as your personal situation changes. Your home policy is unique whether you have multiple properties, live in a condo or are a tenant every situation is slightly different.
We work with many of the top insurance companies in Canada to find you the right coverage at the most affordable price.
Benefits of Choosing James Campbell Insurance Brokers
- Experience and Expertise: With over 40 years of experience in the industry, we pride ourselves on ensuring clients receive informed guidance from our knowledgeable team of brokers. We have long standing relationships with our insurers and aim to provide the highest level of service to our clients.
- Independent and Client-Focused: We are an independent insurance broker, working with some of the top insurers in Canada. Every situation is unique and working with multiple insurance carriers allows us to find the most suitable insurance given our clients individual needs.
- Service and Support: With a dedicated broker, relationships matter as your life changes you want to know that your insurance can keep up. Our team is here to help ensure homeowners receive coverage that addresses their specific needs.
The Claims Process and Client Support
Your claim is our claim !
- Seamless Claims Process: James Campbell Insurance’s easy and supportive claims process, designed to help homeowners quickly get your claim submitted.
- Dedicated Client Support: Your dedicated broker will assist you through the claims process, providing guidance from start to finish.
Additional Insurance Services
- Bundle and Save: Looking for options to save some premium? Bundling your insurance is a great way to gain some additional discounts. Most companies offer 10%-20% discounts for combining your home and auto policies.
- Other Insurance Solutions: James Campbell Insurance is also here to service other insurance requirements you may have. We can help you with auto, business, and commercial insurance, as well as life and benefits insurance. James Campbell Insurance offers a full range of comprehensive coverage making us a one stop shop for our clients insurance portfolios.
Client Testimonials and Success Stories
Real Customer Experiences
"We have dealt with James Campbell Insurance for many years as their service and expertise is excellent with reasonable prices. Recently we had to put in an auto claim and reached out to them for help with the process and their first question was everyone okay? Fortunately, everyone is fine. They have also since followed up on how the claim was going, if we needed assistance, and checked again to see everyone is still feeling good. Thank you Kyle and Ashley for caring and support"
"James Campbell Insurance is an exceptional brokerage. They take the time to listen and always go above and beyond to make sure you get what you deserve and answer any questions that you may have. I have called in a crisis many times with questions and they have always put me at ease and make me feel heard and resolve any issues that I have come to them with. I have only good things to say about James Campbell Insurance! "
"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."
Protect Your Home with James Campbell Insurance:
At James Campbell Insurance Brokers we strive to offer the best personalized service, comprehensive coverage, and expert guidance. Our team of amazing brokers is here to help you navigate your insurance requirements and provide you with the best available solutions. With a number of the top insurers in Canada we will work on your behalf to find a suitable insurance market. With individual needs being different whether you own a farm, condo, cottage or a detached home we will help you find the right insurance solution.
Click to get a quote today or contact our team at 1-833-459-1065
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FAQs
This depends on the size of the renovation. Cosmetic renovations such as new flooring, painting or updates to kitchens and bathrooms are not a material change in risk and therefore, do not need to be noted. However,if you are adding value to the house, such as finishing the basement, it is important to let your broker know, so we can ensure the limit on the house is sufficient.
Any renovations that include additions to the house are important to let your broker know, so they can ensure proper coverage is in place, as this is a material change in risk.
No, they are not. A recreational vehicle requires a separate insurance policy or in some cases, it can be added onto your auto policy.
There is a section in your home policy called special limits. This will include some coverage for Jewellery. Limits vary by insurance company, but there is usually around $5,000 for Jewellery coverage. Any big items,such as watches, wedding bands, etc., should be scheduled on your home policy. If you have questions on your specific coverage, it is important to contact your broker.
The primary contrast between home insurance and condo insurance lies in their coverage scope. Although both types of insurance offer personal liability and contents coverage, they diverge in various aspects. Notably, home insurance is specifically tailored to protect the entire structure of a house, while condo insurance mainly focuses on covering the improvements and betterments made within the unit. It is important to mention that the Condo Corporation typically insures the remaining portions of the unit.
The key distinction between tenant insurance and home insurance is based on property ownership. Tenant insurance is specifically designed for individuals who rent a property and require coverage for their personal belongings and liability. On the other hand, home insurance is intended for homeowners who need comprehensive coverage for their property, belongings, and liability. Tenant insurance focuses on protecting tenants’ possessions and liability within a rented space, while home insurance provides broader coverage for property owners, encompassing their residence, personal items, and liability. It is essential to choose the appropriate insurance policy based on your specific circumstances to ensure adequate protection.
The primary distinction between home insurance and cottage insurance is the purpose and occupancy of the property. Home insurance is specifically designed to provide coverage for primary residences, where individuals live on a year-round basis. On the other hand, cottage insurance is tailored to protect secondary properties, such as vacation homes or seasonal cottages, that are primarily used for recreational purposes and may be unoccupied for certain periods. Cottage insurance takes into account the unique risks associated with vacation properties, such as vandalism, water damage from freezing pipes, and coverage for detached structures like boathouses or sheds. It is important to obtain the appropriate insurance policy based on the specific usage and occupancy of your property to ensure comprehensive protection
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