I do the odd handyman job on weekends. If I was sued, would my home policy respond to this?

No, it would not. In order to insure any commercial operations, it is important to have a commercial liability policy in place. Even if you are working for friends or family, it is always important to have a liability policy in place to protect you in the event of a lawsuit.

If I use my vehicle 50% for pleasure and 50% for business purposes, it is okay to have it rated for pleasure use?

No, it is not. If a vehicle is used for business purposes, whether it is sales, construction or any other occupation, it is important to have it rated this way to ensure proper coverage is in place.

Do I need to list my child on my auto policy or would they be covered automatically?

It is important that all licensed drivers living in the household are listed on your auto policy unless they have their own auto policy elsewhere. Failure to have all licensed drivers listed on your auto policy could result in denial of a claim.

Does my home policy cover my garden tractor?

If your garden tractor is over 30hp, it needs to be scheduled on your home policy. There is usually a limit of approximately $15,000 for garden tractors that do not exceed 30hp included in the special limits section of your home policy (please refer to your specific company wording for exact limits).

Am I covered if I rent a vehicle?

If your auto policy has the OPCF 27 endorsement then yes, you are covered if you rent a vehicle in Canada or the United States. However, specific limits and time frames apply to this coverage. Therefore, it is important to contact your broker to review this coverage with them.

What is the OPCF20/27 on my auto policy mean?

These Ontario Policy Change Forms provide you with the following; OPCF 20 – This change form provides coverage for transportation replacement. For example, if you have been in an accident and your vehiclecannot be driven, you will have coverage to rent a vehicle up to the limit on your policy. OPCF 27 – This change form provides you with comprehensive and collision coverage if you damage a rented vehicle. Your liability coverage and accident benefits coverage on your auto policy would apply to the rented vehicle. This coverage is only applicable while you rent or borrow a vehicle in Canada and the United States.

Is my jewelry covered under my contents on my homepolicy?

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.

Are my recreational vehicles insured under my homepolicy?

No, they are not. A recreational vehicle requires a separate insurance policy or in some cases, it can be added onto your auto policy.

Can I insure my friend’s car?

No, you cannot. To insure anything, you need to have insurable interest meaning your name must be on the ownership.

If I am renovating my house, do I need to let my broker know?

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.

James Campbell Insurance Proudly Serving Aurora

James Campbell Insurance Brokers Proudly Serving the Aurora Community.

Located in the heart of York Region, Aurora is known for its beautiful parks, established neighbourhoods, executive homes, and strong sense of community. With a blend of historic properties, newer subdivisions, and growing commercial areas, Aurora offers both small-town character and convenient access to the GTA. Its proximity to major highways and transit routes makes it a desirable location for families, professionals, and business owners alike.

If you live or operate a business in Aurora, James Campbell Insurance Brokers is proud to provide personalized, knowledgeable insurance solutions tailored to your needs.

We work closely with individuals, families, and businesses throughout Aurora and surrounding York Region communities, offering dependable guidance and customized coverage options.

Why Aurora Clients Choose James Campbell Insurance

Local Knowledge with Regional Insight

Serving clients across York Region, we understand:

Established residential neighbourhoods and custom-built homes
New developments and townhouse communities
Condominium insurance requirements
Commuter households and multi-vehicle families
Local property values and rebuilding costs

Our regional experience allows us to recommend coverage that reflects how you live and work in Aurora.

Personalized, One-on-One Service

Insurance should be clear and straightforward. We take time to walk you through:

Coverage options
Deductibles and policy limits
Exclusions and endorsements
Available discounts
Bundling opportunities

Whether in person, over the phone, or virtually, our goal is to ensure you feel informed and confident in your decisions.

Home Insurance for Aurora Residents

Aurora features a range of housing styles, from historic homes to executive properties and modern subdivisions. Each property has unique insurance considerations.

We arrange coverage that may include:

Protection for your home and detached structures
High-value home coverage options
Condominium unit and tenant insurance
Personal property protection
Personal liability coverage
Sewer backup and water damage endorsements

We tailor coverage to match your home, lifestyle, and budget.

Auto Insurance for Aurora Drivers

Many Aurora residents commute throughout York Region and the Greater Toronto Area. Having the right auto insurance ensures protection on busy highways and local roads.

Coverage options include:

Mandatory Ontario auto insurance
Optional collision and comprehensive coverage
Enhanced accident benefits
Multi-vehicle policies
Home and auto bundling discounts

We review your driving profile carefully and explain your options in clear, simple language.

Commercial Insurance for Aurora Businesses

Aurora is home to professional offices, retail businesses, contractors, medical practices, and home-based operations. Each business carries unique risks.

Our commercial insurance solutions may include:

Commercial General Liability
Property and equipment coverage
Commercial auto insurance
Professional Liability / Errors & Omissions
Cyber liability insurance
Insurance for home-based businesses

Whether you operate in a retail plaza, office building, or from home, we help protect the business you’ve built.

Claims Support & Ongoing Service

If you experience a claim, our team is here to support you by:

Guiding you through the claims reporting process
Assisting with documentation
Communicating directly with insurers
Providing ongoing follow-up

We remain your advocate from start to finish.

What You Can Expect When Working With Us

When Aurora clients work with James Campbell Insurance, we can:

Review your current policies for coverage gaps
Provide quotes from multiple insurers
Compare pricing and coverage side-by-side
Explain policy wording in plain language
Identify opportunities for savings

Our approach is simple: honest advice, professional guidance, and long-term support.

Convenient & Accessible Service

Aurora clients can:

Schedule in-person appointments
Book virtual consultations
Call or email for fast assistance
Receive digital documents and policy reviews

Professional insurance advice is always within reach.

Contact Information

Address:
33 Toronto St Uxbridge On / 19139 Centre St, Mount Albert, ON L0G 1M0

Phone:
905-852-9191

Email:
[email protected]

Office Hours:
Monday–Thursday: 9:00 AM – 4:30 PM
Friday: 9:00 AM – 4:00 PM

We encourage you to call ahead to book

Frequently Asked Questions Insurance for Aurora Residents

Do you provide insurance specifically for Aurora residents?

Yes. We regularly serve clients in Aurora and tailor coverage to local residential and business needs.

Can I bundle my home and auto insurance?

In many cases, yes. Bundling can provide cost savings and simplify your coverage.

Do you offer insurance for high-value homes?

Yes. We work with insurers that offer enhanced coverage options for executive and custom-built homes.

Can I meet with a broker in person?

Yes. In-person and virtual consultations are available.

If you’re in Aurora and looking for reliable, personalized insurance advice, James Campbell Insurance Brokers is ready to provide professional guidance and local care.