Our Insurance Solutions

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.

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.

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.

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.

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.

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.