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 Newmarket

Our James Campbell Insurance Brokers Office Proudly Serving the Newmarket Community

Located in the heart of York Region, Newmarket is a vibrant and growing community known for its historic Main Street, family-friendly neighbourhoods, and strong local business sector. With a mix of established residential areas, modern subdivisions, condominium developments, and busy commercial corridors, Newmarket offers both small-town charm and urban convenience. Its proximity to major highways and the GTA makes it a popular choice for commuters, professionals, and families alike.

If you live or operate a business in Newmarket, our James Campbell Insurance offices in Uxbridge and Mount Albert are proud to serve you with personalized, local insurance expertise.

While our physical office is located in Mount Albert, we work closely with individuals, families, and businesses throughout Newmarket and the surrounding York Region communities. We understand the needs of this dynamic and evolving town and are committed to providing dependable guidance and tailored coverage solutions.

Why Newmarket Clients Choose James Campbell Insurance

Local Knowledge with Regional Insight

Serving clients throughout York Region, we understand:

Established and newly developed neighbourhoods
Commuter lifestyles and multi-vehicle households
Local property values and rebuilding costs
Condominium and townhouse insurance needs
Small business and professional service risks

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

Personalized, One-on-One Service

Insurance should be clear and straightforward. Whether you meet us in person, by phone, or virtually, we take time to explain:

Coverage options
Deductibles and limits
Exclusions and endorsements
Available discounts

Our goal is to ensure you feel confident in every insurance decision.

Long-Term Support & Claims Guidance

When a claim occurs, having responsive support matters. Our team provides:

Claims reporting guidance
Assistance with documentation
Direct communication with insurers
Ongoing follow-up throughout the claims process

We remain your advocate from start to finish.

Home Insurance for Newmarket Residents

Newmarket features a mix of historic homes, modern subdivisions, and condominium developments. Each property type presents unique considerations.

We arrange coverage that may include:

Protection for your home and detached structures
Condominium unit coverage and tenant insurance
Personal property protection
Personal liability coverage
Sewer backup and water damage options
Coverage enhancements for high-value homes

Whether you live near historic Main Street or in a newer development, we tailor coverage to match your needs and budget.

Auto Insurance for Newmarket Drivers

Many Newmarket residents commute throughout York Region and the GTA. Having the right auto insurance ensures you’re protected on busy highways and local roads alike.

Coverage options include:

Mandatory Ontario auto insurance
Optional collision and comprehensive coverage
Accident benefits options
Multi-vehicle policies
Bundling discounts when combined with home insurance

We review your driving profile and explain your options clearly so you can make informed decisions.

Commercial Insurance for Newmarket Businesses

Newmarket is home to retail stores, contractors, healthcare providers, professional offices, and home-based businesses. Each operation carries its own set of risks.

Our commercial insurance solutions may include:

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

Whether you operate in a retail plaza, office space, or from home, we help protect what you’ve built.

What to Expect When Working With Our James Campbell Insurance Team

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

Review your existing policies for coverage gaps
Provide quotes from multiple insurers
Compare pricing and coverage side-by-side
Explain policy wording in clear, simple language
Explore bundling opportunities for potential savings

We believe insurance should be straightforward, no pressure, no jargon, just honest advice.

Convenient & Accessible Service

Although our offices are located in Uxbridge and Mount Albert, Newmarket clients can:

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

Professional advice is always within reach.

James Campbell Insurance 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 an appointment or discuss your insurance needs.

Frequently Asked Questions – Insurance for Newmarket Residents

Do you provide insurance specifically for Newmarket residents?

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

Is it beneficial to work with a local broker if your office is in Mount Albert?

Yes. Our team understands York Region’s market conditions and risks and provides personalized service to Newmarket clients.

Can I bundle my home and auto insurance?

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

Can I meet with a broker in person?

Yes. You’re welcome to visit our Mount Albert office or schedule a virtual consultation.

If you’re in Newmarket and looking for reliable, personalized insurance advice, our Mount Albert office is ready to serve you with professional guidance and local care.