Home Insurance
Your home is often your biggest asset.
Protect it with home insurance from CJ Campbell. Home insurance policies are not created equally, nor are they priced the same. When you purchase your Home Insurance; you want to deal with an Independent Insurance Broker who represents a vast array of companies. With just one call, you will be able to obtain price comparisons from many companies through one broker.
Sleep better knowing your home is protected.
We will strive to ensure that when you purchase your home insurance, your experience will be a pleasant one. Our experienced staff will provide you with reasonable rates while answering all of your questions and giving you the expert advice which you deserve.
CJ Campbell Insurance has been tailoring home insurance packages for our customers’ needs since 1912. Many things have changed over the years, such as prices, coverages and insurance companies, but the one thing that has remained constant is the confidence and the trust you can rely on when you insure with CJ Campbell Insurance.
Coverage homeowners should consider
- DWELLING: Applies to the principal residence and all attached structures.
- PRIVATE STRUCTURES: Applies to detached structures such as a garage or storage shed, used for personal use.
- PERSONAL PROPERTY: Applies to personal property you own, wear or use. Special limits apply to some property and can be modified in several ways with endorsements.
- ADDITIONAL LIVING EXPENSE: Applies in the event of an insured loss which renders the dwelling unsuitable for living. Compensation is made for the reasonable time required to repair or rebuild the dwelling or if you permanently relocate, the reasonable time required to settle elsewhere.
- PERSONAL LIABILITY: Provides coverage for personal loss exposures if a claim is made or suit is brought against you due to bodily injury or property damage arising out of your personal activities anywhere in the world.
- VOLUNTARY MEDICAL PAYMENTS: Provides compensation incurred from an unintentional injury to another person or if they are accidentally injured on your premises, even though you are not legally liable. This coverage may include surgical, dental, hospital, nursing, ambulance service and funeral expenses. There is a limit to the amount that will be paid out.
- VOLUNTARY PROPERTY DAMAGE: Provides compensation for property damage caused by you to another person. There is a limit to the amount that will be paid out.
Special items may have a limit as to the amount payable under your personal property coverage, on your Homeowner's Policy. Scheduling special items will reduce your risk of being under-insured; while providing better coverage and no deductible or sometimes a lower deductible. An example of items that may be scheduled on your policy are as follows:
- Cameras & Equipment
- Collections such as coin, card, stamp or comic books
- Cellular Phones
- Fine Arts
- Firearms
- Furs
- Garden Tractors
- Hearing Aids
- Home Computers
- Jewelery
- Musical Instruments
- Professional Books
- Radios
- Silverware
- Sporting Equipment
- Tools
- Wheelchairs
- Wear and tear, gradual deterioration, latent defect or inherent vice
- Mechanical breakdown Marring and scratching, rust or corrosion, condensation, dampness of atmosphere, wet or dry rot, mould or contamination
- Faulty material or workmanship
- Birds, raccoon, vermin, rodents or insects
- Loss or damage resulting from your intentional or criminal acts
- Water which seeps into your home
