Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Insurance Experts at Dusyk & Barlow Tip on Auto Insurance Coverage for Vehicles in Storage

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long-standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients' insurance needs are met.

They are Trusted Regina insurance experts!

Do You Have Proper Auto Insurance Coverage For Vehicles In Storage? 


Dusyk & Barlow Insurance Brokers Ltd. has two locations in Regina, SK. They are family-based, locally-owned Insurance brokers who have been involved in the Saskatchewan insurance industry since 1936. Insurance products they offer include auto insurance, including Saskatchewan SGI motor licensing services, home insurancecondo insurancetenant insurancetravel medical insurancecommercial insurance, and bonding and surety services. Our latest article shares some important information about auto insurance for vehicles in storage.


Protecting Your Vehicle In Storage: Why Home Insurance May Not Be Enough

Your home is not just a place to live; it’s also where you store many valuable possessions, including your vehicle. If you have a garage, you might assume your vehicle is automatically covered by your home insurance while parked there. However, this isn’t always the case, especially in Saskatchewan. In this blog post, we’ll explore why your vehicle may not be covered by your home insurance when it’s in the garage, and we’ll discuss the importance of keeping your vehicle insured through your auto policy, even when it’s temporarily in storage.


Home Insurance and Vehicle Coverage

Home insurance is primarily designed to protect your home and its contents, not your vehicles. While it typically covers personal property, including items in your garage, it often has limitations regarding vehicles. In  Saskatchewan, home insurance may not extend coverage to your vehicle at all, even if it’s parked in the garage.


The Importance of Auto Insurance

Auto insurance is specifically tailored to protect your vehicles, whether on the road or in storage. It provides coverage for various situations, including accidents, theft, vandalism, and damage that can occur in your garage or while your vehicle is parked. Even when your vehicle is not in use and temporarily stored, it’s crucial to maintain auto insurance coverage to safeguard your investment.


Auto Insurance While in Storage

In Saskatchewan, you can adjust your auto insurance coverage when your vehicle is unused. You can switch to a “storage” or “lay-up” policy, which is more cost-effective than standard coverage because it removes certain risks associated with active driving.

A storage policy typically covers:

  1. Comprehensive Coverage: This protects your vehicle from non-driving-related incidents such as theft, vandalism, fire, and natural disasters.
  2. Limited Usage: Some storage policies allow for minimal usage, such as moving your vehicle within your property or to a repair shop.
  3. Theft and Vandalism Protection: Comprehensive coverage under a storage policy ensures your vehicle is protected against theft and vandalism even when parked in your garage.

The Consequences of No Auto Insurance Coverage For Vehicles In Storage

Failing to maintain adequate auto insurance coverage while your vehicle is in storage can have significant consequences. You may be left without financial protection if an unexpected event occurs, such as a break-in or a fire that damages your vehicle. Repairing or replacing a vehicle can be a substantial expense; without insurance, you would have to cover these costs out of pocket.

While it may be tempting to assume that your home insurance covers your vehicle when it’s parked in the garage, this is not always the case. To protect your vehicle from various risks, including theft, vandalism, and damage, it’s essential to maintain auto insurance coverage even when your vehicle is temporarily in storage. Consider switching to a storage policy to reduce costs while protecting your valuable assets. Remember, being proactive with your insurance coverage is the best way to secure your peace of mind and financial well-being.

If you would like additional information, a quote on insurance, or information about any insurance products we provide, don’t hesitate to contact us at either of Dusyk & Barlow’s locations.


 “Protecting What’s Important Since 1936”

DUSYK & BARLOW INSURANCE BROKER  


Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all its clients. Their long-standing reputation in the Regina community remains strong through maintaining high standards of excellence and ensuring that their client’s insurance needs are met.

CONGRATULATIONS Dusyk & Barlow Insurance Brokers- Celebrating 10years as Trusted Regina Insurance Brokers

CONGRATULATIONS, DUSYK & BARLOW INSURANCE BROKERS- CELEBRATING 10 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA 

TRUSTED REGINA RECOGNIZES OUR PARTNERS WHO HAVE BEEN TRUSTED FOR OVER 10 YEARS!


In this series of recognition articles, we continue to spotlight the businesses that have been Trusted Regina Partners for over ten years. Currently, we are recognizing the group of Partners that joined the Trusted Regina community in 2012. We want to thank them for TRUSTING our team, and we are identifying each of them individually for providing ten years of OUTSTANDING service to the citizens of Regina and the surrounding area! This latest article celebrates and recognizes Dusyk & Barlow Insurance brokers.

 “Protecting What’s Important Since 1936”

DUSYK & BARLOW INSURANCE BROKER  


Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all its clients. Their long-standing reputation in the Regina community remains strong through maintaining high standards of excellence and ensuring that their client’s insurance needs are met.


Dusyk & Barlow are proud to have provided insurance services to Regina and area residents since 1936, that's for over 87 years! The team prides itself on providing superior customer service and maintaining its reputation as a trusted and reliable locally-owned and operated Regina insurance business for the next 80 years! Their success is powered by their team of insurance experts, who take the responsibility of protecting you and your family very seriously. They live and breathe insurance and want to make sure you have peace of mind knowing your home, business, and family are adequately insured for all of life’s circumstances. 

Dusyk & Barlow has access to eight different insurance providers. This means that all the company’s brokers must constantly keep themselves up to date on what each insurer provides. Through Dusyk & Barlow’s website, clients can access many SGI services and obtain home insurance quotes. Their decades of experience prove particularly valuable for that purchasing insurance for commercial endeavours. The Regina brokers work with clients to determine what they feel they need to have insured versus how much risk they could feel comfortable assuming for themselves. Another bonus for Dusyk & Barlow’s commercial clients is that the company is licensed to provide insurance in all western provinces from B.C. to Manitoba. This is particularly valued by clients who open a business in Saskatchewan and later expand into other western provinces. 

FAMILY-OWNED REGINA INSURANCE BROKERS 


A quick Google and you will see many online reviews; the customer feedback is consistently excellent. They have many loyal clients who have been Dusyk & Barlow Insurance clinets for generations.

What Their Clients Say...


"I have gone to Dusyk and Barlow for 10 years, for all my home, auto, and rental property insurance needs. Amazing brokers who always works to find the best options for me, and all the staff are friendly, professional, and knowledgeable." A.J- Google


" All staff are very pleasant and easy to understand. When ever I need something, Jenna or another coworker goes over and above my expectations. Super convenient location! Have been with for about nine years and will stay as long as I'm in SK. Nice to see some businesses still have that personal touch." - Kevin Gwillim, Google

A word from Stephen Barlow


"We’re there to answer questions and make sure the client knows what to expect and what to do. We make sure the client is fully aware of how the process works and that they are doing everything right. We’d rather you ask a question now than after something happens and find out that something could have been done. We want to educate our customers, so they know exactly what they are getting. It may not always be the answer the client is looking for, but they can be assured when they leave here, they’ve got the proper information,” says Stephen. “It has served us well and still does going forward.”

    A word from Sara, the Trusted Regina founder, about her personal experience with Dusyk & Barlow Insurance.


"Dusyk & Barlow Insurance Brokers have been the Insurance brokers for Trusted for over ten years, and I have found the staff to be knowledgeable, courteous and super helpful. Stephen, Rob, Kendrick and the management team lead by example; they are a pleasure to deal with as clients and as a customer. This local family owned company has a huge heart and I am impressed with their ongoing commitment to supporting the Regina community. Dusyk & Barlow Insurance sponsor many local community initiatives, and in addition, they hold an annual pancake breakfast every summer, which started in 2011 and their Four Weeks of Christmas Cheer, where they choose four different local non profits /causes to contribute time and funds to over the Christmas season." - Sara Wheelwright 

Thank you for TRUSTING us, Stephen, Rob, Kendrick and the team at Dusyk & Barlow. The company has provided ten years of AMAZING insurance service to the people of Regina & area as a Trusted Regina Insurance Partner. We are proud to support you and to share that they have diligently upheld the 5 TRUSTED GUARANTEES of service. 


Trusted Regina Insurance experts at Campbell & Haliburton Tip On Basic Auto Damage Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip on Basic Auto Damage Insurance


. In our latest Campbell & Halliburton Regina auto insurance tip, we share important information from SGI that explains basic auto insurance coverage.

Basic Auto Insurance Coverage – Tips and Information From Campbell & Haliburton Insurance


When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

  • coverage for damage to your vehicle, subject to a deductible
  • personal injury insurance from a vehicle collision
  • liability insurance for damage your vehicle causes to another vehicle or property, or injury to others

Vehicle damage and your deductible. 


Physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

 
Class Vehicle Type Deductible
Class A Light vehicles (under IRP) $700
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$2,500
  • Pro-rated heavy trucks
  • Cargo vans
  • Power units
$15,000 (optional)
Class C
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$700
Class D
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Class LV
  • Passenger vehicles
  • Motorcycles
  • Motorized bicycle/pedal cycle
  • Antiques
  • $700
  • $700
  • $350
  • $500
Class MT Snowmobiles Not applicable1
Class PV
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Antiques $500
Class TS
  • Trailers
  • Semi-trailers
$500
Class T
  • All trailers (except metal or fibreglass/other cabin trailers
$400
  • Metal cabin trailer
  • Fibreglass/another cabin trailer
  • Based on customer declared value:
  • Valued at $1,000 or less - $400
  • Valued at $1,001 or less - $500
 

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.
Situation Pay deductible? Details
You’re responsible for the collision Yes If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision No The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision No If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged Yes – you pay half If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan Yes You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a:
  • hit and run
  • storm
  • fire
  • collision with an animal
  • single-vehicle collision
Yes You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you're eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:
  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision - $2,200 less your $700 deductible
If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle's window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:
  • damage to personal property
  • physical injury or death to another person
  • a victim’s lost or potential income
Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you'd like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage. Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the Auto injury insurance page.

Examples of coverage

Example 1: You're responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

 
Total cost of other driver's injuries and repairs $15,000
Total paid by SGI $15,000
Total paid by you $0

Example 2: In the same collision as above, your vehicle also needs a few repairs:
Total cost of repairs to your vehicle $1,000
Total paid by you (deductible) $700
Total paid by SGI $300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.


As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact  Campbell & Haliburton Insurance. 


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Trusted Regina insurance brokers

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)

Trusted Regina Insurance Pros at Campbell & Haliburton Share a Tip on Winterizing Your RV

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance are dedicated insurance brokers in Regina, and they can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip about how to winterize your RV.  

Camping season is over for another year. Before you put your trailer or motorhome in storage, make sure you take the time to protect it for the winter. While it seems like a lot of work, the extra effort you put in now will protect your vehicle from deterioration. With a little bit of elbow grease, your RV will last for many camping seasons to come. In our latest Campbell & Halliburton Regina auto insurance tip, we share SGI’s RV Winterizing Tips.

10-step RV Winterizing Guide

Step 1: Drain the water from your pipes
Step 2: Check your seals
Leaky roofs can cause major problems to the inside of your RV. The best way to avoid problems is to inspect your seals and ensure that there are no leaks. This includes examining your roof, slide-outs and windows to look for any holes or leaks
Step 3: Remove your RV batteries
If you plan on putting your RV in storage, take out your batteries and put them in a cool, dry place or on a charger.
Step 4: Protect your RV’s exterior
Step 5: Protect your awning
Step 6: Unhook your propane tanks
Step 7: Lubricate all locks and hinges
Step 8: Clean the interior
Step 9: Tarp, cover and moisture prevention
Step 10: Contact your broker at Campbell & Halliburton

Then, pump RV antifreeze into all of your tanks, lines and drains. Due to Saskatchewan’s subzero temperatures, it’s important to use RV antifreeze. Make sure it’s rated to -50 degrees C.

Clean the outside of your RV and inspect it for any cracks. Use an RV sealant to fix the crack(s) and let it dry completely. Then, apply wax to protect your vehicle.


Stop mould from growing on your awning by cleaning it thoroughly and allowing it to dry completely.

Store them in a well-ventilated area in order to prevent rust or damage.

Letting your RV sit untouched for months can cause the locks and hinges to get sticky or stop working completely. Save yourself a hassle the next camping season and lubricate all of your locks and hinges right now.

A clean and sanitized interior can make a world of difference when it comes to avoiding unwanted smells and rodents from entering your RV.

Most tarps are made of non-breathable materials, and this can cause moisture to get trapped underneath – leading to rust. We recommend choosing a breathable fabric cover to prevent water and condensation.

You’re almost done! Now’s the time to let your insurance broker know that you’re putting your trailer in storage. Your SGI CANADA Auto Pak may cover damage caused to your RV while in storage – as long as you meet the conditions of your policy. We can help you work through the conditions.




Campbell & Haliburton's doors opened in 1957.  Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.

Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:



Trusted Regina Insurance Provider Campbell & Haliburton Insurance Answers Questions Regarding Renter's Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share what you need to know about renter's insurance.

You have found a place to rent. Fantastic! You have arranged for movers (whether professional or friends to help). Great! You have even downloaded an app to help you decide how to arrange your furniture. Fun! But what about renter’s insurance?

Renter's Insurance

Renter's Insurance, sometimes called tenant insurance, can sound scary, complicated, and worse still expensive. But it does not need to be all that difficult. And often people find it to be less expensive than they first thought.

At Campbell & Haliburton Insurance, myCH, we can help unravel the mystery of renter’s insurance. Most renter’s insurance policies will protect you in two important ways – both your contents and your liability.

Caveat: There are a number of insurance companies that sell renter’s insurance here in Canada. There are similarities between them but also differences. This is not designed to be the definitive word on what each individual policy covers. Rather it is designed to provide a “broad brush” overview of what renter’s insurance does. For specifics on what your policy does, and does not provide, please speak with your broker or agent.

Contents Insurance

The first thing that renter’s insurance does is protect your belongings. There are two major questions that you need to answer when arranging contents insurance.

1. How Much Insurance Do I Need?

This can be a difficult question to answer. After all, most people do not purchase all their belongings at once. We acquire them over time, some new, some second hand. It can seem like an impossible task to come up with how much you have spent on your “stuff”.

When figuring out the amount of insurance that you need – ask yourself the question, “If I needed to buy everything brand new, what would it cost?” Most renter’s insurance policies are based on “replacement cost.” Replacement cost means the amount that it would take to purchase what you had with brand new items.

Many people fall into the trap of thinking, “But my things are old; they are not worth that much.” That may be true, but when it comes to insurance ask the question: "What would it cost if you needed to go on a shopping spree and buy everything brand new?" When thinking of this, remember that most policies will allow you to purchase the same kind and quality as what you had. So, if that old couch is very well made you would be able to purchase the same quality of couch in the event of a claim.

Many insurance companies have a minimum amount of contents insurance that they will provide, for example, $30,000 is quite common. Would that amount be enough? It is a good starting point, but everyone has a unique set of belongings and everyone has a different set of needs.

One tool that is available is a record of your belongings. This can be found on SGI's website. While it is not strictly necessary to complete a record like this, it is a valuable tool in determining how much insurance you need.

2. What Kind of Insurance Do I Need?

Once you have determined how much insurance you require, the next question to ask is what kind of insurance best meets your needs. There are essentially two different types of contents insurance: a more basic form of insurance and more comprehensive insurance.


Named Perils Insurance

The first form of insurance is named perils. It has different names depending on the insurance company. It may be called Pak I or Broad Form. Each company has a different name. So please do not rely on the name, make sure that you understand what it actually provides.

As the name implies, “Named Perils” provides insurance for a specific number of perils. A peril is an event that is unexpected and accidental.

 Common named perils would include:

  • Fire
  • Lightning
  • Explosion
  • Smoke
  • Falling Object
  • Impact of Aircraft, Spacecraft of Land Vehicle
  • Wind/Hail
  • Water Escape
  • Vandalism
  • Theft


  • For a named perils policy to respond, one of the specifically listed named perils would have needed to occur. If something other than one of the specially listed things happened there would be no insurance. Named Perils policies often specifically define some of the terms and restrict what is, and is not, covered by them.

    Comprehensive Perils Insurance


    The second form of contents insurance is comprehensive insurance. As the name implies, this is a much broader form of insurance than is named perils.

    Named Perils Insurance specifically tells you what is covered, Comprehensive Insurance tells you what is not covered. It is often called all-risk insurance as it covers all risks except those specifically excluded.

    Typical exclusions would include:
    • Flooding
    • Seepage
    • Exclusions when the property is vacant
    • Pet Damage
    • Normal Wear and Tear
    There are some day-to-day advantages of comprehensive insurance over named perils.

    • The first is a philosophical difference. With named perils insurance the onus is on the insured (person who purchased the insurance) to show where something is covered. With comprehensive insurance that responsibility is shifted to the insurance company. Unless they can point to a specific exclusion, the insurance company must pay the loss.
    • Accidental Damage – Comprehensive Insurance typically provides insurance for accidental damage whereas named perils does not. For example, if a person dropped a big-screen television or spilled a glass of red wine on the couch most comprehensive insurance policies would provide coverage whereas named perils would often not.
    • Mysterious Disappearance  Named Perils policies typically cover if things are stolen, but not if they are lost. Comprehensive insurance often covers loss as well. If your diamond ring goes missing or the gem falls out of it comprehensive insurance would usually respond and pay the claim where named perils would likely not.
    • Smoke  Some named perils policies provide very restrictive coverage for smoke damage. Comprehensive Insurance provides much better coverage for things like candle smoke.
    So which policy is better for you? Comprehensive insurance is a significantly better policy than a Named Perils policy is. Typically, the price difference, on a renter’s policy, is not that much between the two. If your budget allows for it, we recommend Comprehensive Insurance.

    With renter’s insurance, as with most kinds of insurance, there are a few things to be aware of:
    • Insurance policies carry with them a deductible. A deductible is a portion that you must pay in the event of a loss. For example, if you have a $500 deductible you would be responsible for any amounts up to the first $500 of any claim.
    • Whenever you file a claim you can expect to see your premium increase.
    • Most policies have specific items that they put limits of insurance on. For example, there are maximums that will be paid out for things such as jewelry, stamp or coin collections, or bicycles to name a few. We recommend that you review these with your broker or contact one of our helpful insurance brokers at Campbell & Haliburton.

    Liability Insurance

    Liability Insurance protects you if others are harmed due to your negligence. Liability insurance has two “triggers” that they use.
    • Bodily Injury – Someone gets injured because of what you did or did not do. Suppose you are renting a house and are responsible for keeping the sidewalk shoveled and safe. But if someone slips on the ice and is injured you might be found by the courts to be liable. Your renter’s insurance provides liability insurance to protect you in this situation.
    • Property Damage – Provides coverage when there is damage to someone else’s property due to your actions. For example, if you are cooking and cause a fire the landlord might want you (or your insurance company) to pay for damages to their house.
    Liability Insurance is generally included in a renter’s insurance policy.

    A few things to think of:
    • Cost – In Canada, liability insurance on a renter’s policy is relatively inexpensive. Many policies provide you with $1,000,000 of liability insurance. However, the cost to increase this is generally very low. Since liability insurance is designed to protect you from potentially catastrophic events, we recommend increasing the amount of liability insurance.
    • The Fine Print Some liability insurance policies provide restrictions on when it will pay out. We strongly recommend that you speak with your insurance broker to ensure that you are aware of any limitations.
    Renters insurance is a relatively cost-effective way to not only protect yourself in the event the unthinkable happens.

    Are you ready for a personalized insurance quote? Our easy user-friendly website makes this both easy and convenient. Do you need more information? Please contact Campbell & Haliburton, one of our expert insurance brokers. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact us at Campbell & Haliburton Insurance. We would love to talk to you.

    - Daryl Arendt, Office Manager & Licensed Insurance Broker

    Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

    Campbell & Haliburton's doors opened in 1957.  Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.

    Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

    They offer many different insurance policies to protect the most important areas of your life including:



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