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
Some exclusions which may apply to most Home Insurance Policies:
  • 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

Frequently Asked Questions

What things could happen to my property that won’t be covered unless I make special arrangements? 
One example would be damage arising from the freezing of indoor plumbing. This is seen as preventable. If you are away from home during the normal heating season, you must drain the plumbing or arrange to have your home checked by a competent person or ensure that heat is maintained. If these arrangements are not met and your pipes burst, you may end up with no coverage. How long you are away from your home before someone is required to check it, varies with insurance companies. Give your C J Campbell specialist a call to confirm the wordings on your policy.
What are some items that might require additional insurance?
The limits to replace stolen cash or garden tractors, watercraft and computer software, are relatively small. Coverage limits may apply also to jewellery, watches and furs, coin, stamp and card collections. “Riders” or “Floaters” provide extended coverage for specific items at reasonable costs. Coverage can be worldwide with usually no or low deductibles. Discuss the items that you may want to specifically list, with your C J Campbell specialist.
Should I make a claim with every loss?
This is a very personal decision and before making a Home Insurance claim, consider the cost of the damage, compared to your deductible. If there is little difference, you may choose not to make a claim. In addition, when you make a claim, you will lose your “no claims discount”. Losing your “no claims” discount would result in an increase of your premiums. Consult with your C J Campbell specialist as to whether or not a claim should be made.
I’m going on a sabbatical for a year and renting out my home. Does my Home Insurance cover damages caused by the tenant? Also, will my Home Insurance protect me if they steal my contents that are left in the home? Do I require special insurance?
Whenever you have a lifestyle change such as this, you must contact your C J Campbell specialist and they will advise you of any restrictions so that you can take care of precautionary measures. Some other lifestyle changes that warrant a phone call to your C J Campbell specialist include, but are not limited to: your home becoming vacant, home renovations, running a small business from your home, installing a home security system and purchasing an item such as watercraft or a cottage.
Are there certain risks or potential hazards to my home for which I cannot purchase insurance?
No policy will cover everything that can go wrong. If it did, the premiums would cost too much. Insurance is intended for unforeseeable events. Your C J Campbell specialist will answer any questions you may have about what is not covered on your policy.
  • David Chan
    ...No need to find another broker for your insurance needs. 10/10 recommended!
    David Chan
  • Marlene Arnold
    Julie is super. There are never any long delays in getting back to me. Super in advising what is the best deal for my needs.
    Marlene Arnold
  • Melanie Wiebach
    I am over the moon with the service I’ve been experiencing from them! Strongly recommend.
    Melanie Wiebach
  • Carrie Stone
    I use CJ Campbell for my personal as well and business insurance needs. The team members specifically Dave Parker & Boun Chou have been absolutely amazing to work with. I highly recommend this company for all your insurance needs. They are extremely professional and attentive; they are always prompt and getting back to me.
    Carrie Stone
  • Vacuum Specialists
    We have had the pleasure of dealing with Boun for many years, and her exceptional assistance and dedication have consistently exceeded our expectations. She consistently goes above and beyond to address our needs promptly and efficiently. Her professionalism is unparalleled, and we highly recommend her services.
    Vacuum Specialists
  • Patricia Wiebe
    We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent. We feel very secure knowing Keisha McCarthy is looking out for us. DO NOT HESITATE to use this company for all your insurance needs!
    Patricia Wiebe
  • Sid Tolchinsky
    I am very pleased having just worked with Julie David of CJ Campbell to restructure our house and car insurance under one company’s umbrella policy which saved us money and simplified our policies. Thank you Julie.
    Sid Tolchinsky
  • Brooke Siebert
    Keisha is so good at her job, I cannot stress this enough! She is patient, kind and really helped me out finding the best deal for insurance when I moved to Alberta. It's the little things in life and the fact that I don't have to stress out about insurance was an immense help. I cannot thank her enough!
    Brooke Siebert
  • Nicole D.
    I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! Boun has been supporting me with competitive rates for home, auto and motorcycle insurance, always with my best interests at heart. I continue to refer my friends and family to Boun and CJ Campbell because they work hard to find the best rates and her client service is second to none.
    Nicole D.
  • Amin Ziarati
    ...What sets CJ Campbell apart from other insurance companies is their personalized approach to each client. Boun takes the time to understand your specific insurance needs and works tirelessly to find the best coverage options at the most competitive rates. I have always felt like a valued customer with CJ Campbell, and I appreciate the high level of customer service they provide...
    Amin Ziarati
  • Shelley Thurber
    I have been dealing with this company since 2010. Keisha McCarthy has always been so professional, helpful, and timely with all of my insurance needs. I can't recommend CJ Campbell and Keisha enough!
    Shelley Thurber
  • Lara
    Fantastic service every time! Everyone is super helpful and knowledgeable and will get you the best deal on insurance.
  • Alexandrea Currie-Bell
    We have worked with Boun at CJ Campbell for years. She has always been extremely helpful in assisting us, as well as helped us in a timely manner. I would 100% recommend her!
    Alexandrea Currie-Bell
  • Gemma B.
    I've been with this company for 10yrs and never had a problem. The staff are very helpful, especially Boun.
    Gemma B.
  • Andrea Patterson
    I’ve had the pleasure of now dealing with Boun a few times for my insurance needs and she is an absolute delight to talk to. I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
    Andrea Patterson
  • Arnel Rante
    They're very helpful.
    Arnel Rante
  • Russell Motha
    If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
    Russell Motha
  • Theresa Hendricken
    My husband and myself have been with company for at least 25 years. They never disappoint always best rates.
    Theresa Hendricken
  • Jonathan Howlett
    Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
    Jonathan Howlett
  • Dom L
    I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
    Dom L
  • Ken Moffatt
    My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.
    Ken Moffatt