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.

Visit Our Mount Albert Office

Serving Mount Albert, Newmarket & Surrounding Communities with Local Insurance Expertise

If you’re looking for trusted insurance solutions in Mount Albert, Newmarket, and York Region, our Mount Albert office is here to help offering personalized service backed by local knowledge and experience.

At James Campbell Insurance Brokers, we believe insurance is best discussed with real people who understand your community. Whether you’re reviewing coverage for your home, auto, or business, our brokers take the time to explain your options clearly and honestly.

Our Mount Albert office proudly serves Mount Albert, Newmarket, East Gwillimbury, and nearby York Region communities.

Why Visit Our Mount Albert Office?

Local Knowledge of Mount Albert & Newmarket

With a physical office in Mount Albert, our brokers understand the unique insurance needs of both small-town and growing urban communities like Newmarket. From rural and semi-rural properties to newer residential developments, we recommend coverage that reflects local risks, property values, and lifestyles.

Personalized, One-on-One Service

Insurance can be complex but it doesn’t have to be. Our team explains your coverage options in plain language so you understand exactly what you’re buying, including limits, deductibles, and exclusions.

Insurance for Individuals, Families & Businesses

We work with clients at every stage of life, including:

Individuals and families
First-time homebuyers and drivers
Small business owners and commercial clients

Claims Support You Can Rely On

If you ever need to file a claim, having a local broker makes a real difference. Our Mount Albert team provides hands-on support with documentation, follow-ups, and guidance throughout the claims process.

Home Insurance in Mount Albert & Newmarket

Homes in Mount Albert and the surrounding Newmarket area often come with unique considerations, including rural properties, older homes, larger lots, farms or high value estates.

We work with multiple insurance companies to build customized home insurance solutions that may include:

Coverage for your home and detached structures such as garages, sheds, or outbuildings.
Protection for personal belongings.
Personal liability coverage
Options for rural risks, including farms and high value homes

Whether you live in Mount Albert, commute to Newmarket, or own a property elsewhere in York Region, our brokers understand the local landscape and can tailor a policy to your needs and budget.

Auto Insurance in Mount Albert & Newmarket

From rural roads to busy Newmarket commuting routes, having the right auto insurance helps keep you protected wherever you drive.

Our Mount Albert auto insurance offerings include:

Mandatory Ontario auto insurance coverage
Optional collision and comprehensive coverage
Coverage for multiple vehicles and drivers
Potential discounts for safe driving and bundled policies

We’ll take the time to explain your policy options clearly so you can make informed decisions and feel confident behind the wheel.

Commercial Insurance in Mount Albert & Newmarket

Mount Albert and Newmarket are home to a wide range of businesses — from contractors and trades to professional services, retail operations, and home-based businesses.

Our Mount Albert office provides commercial insurance solutions such as:

Commercial general liability insurance
Property and equipment coverage
Commercial auto insurance
Commercial Farm Insurance
Professional liability and errors & omissions coverage
Insurance for home-based and rural businesses

Whether you’re starting a new venture or reviewing existing coverage, our local brokers will help ensure your business is protected today and prepared for the future.

What to Expect When You Visit Our Mount Albert Office

When you visit our Mount Albert location, you’ll be welcomed by knowledgeable brokers who can:

Review your current policies and identify gaps or overlaps
Provide quotes and side-by-side comparisons from multiple insurers
Explain deductibles, limits, and exclusions in clear, simple terms
Help you bundle home, auto, and business insurance for potential savings

Our goal is to make insurance straightforward, no jargon, just honest advice and dependable service.

Serving Mount Albert, Newmarket & York Region

While our office is located in Mount Albert, we proudly serve clients throughout Newmarket, East Gwillimbury, and surrounding York Region communities.We understand the insurance needs of both urban and rural properties, including farms, seasonal homes, and home-based businesses.

No matter where you’re located, our team is equipped to help you find coverage that reflects your lifestyle and risk profile.

Getting Here Map, Parking & Accessibility

Our Mount Albert office page includes a Google Map widget with directions from major roads and nearby transit routes. There is ample parking available, and the office is wheelchair accessible. Virtual appointments are also available for clients who prefer to meet remotely.

Location & Contact Information

Address:
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 confirm hours or book a consultation.