Trusted Tips and Resources

Trusted Tips & Resources

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.)

Campbell & Haliburton Trusted Regina Insurance Brokers Tip On Preventing Ice dams

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 preventing ice dams on your Regina property. 


Winter is here and as a homeowner, it’s important to check your property for issues and commit to regular preventative maintenance. Doing this will save you stress and money in the long term. In our latest Campbell & Halliburton Regina home insurance tip, we share important information from SGI regarding ice dams.

Spotting and Preventing Ice Dams – Tips and Information From Campbell & Haliburton Insurance

Freeze, thaw, freeze, thaw – those are the ideal conditions to make an ice dam. And that’s something we know you don’t want. Ice dams will cause a lot of damage to the walls, ceiling and insulation of your home. They may even lead to mould.

With the weather cycle we’re currently experiencing, we’ve put together some information to help you prevent major ice damming problems in your home.

What’s an ice dam?

Ice dams are caused by on- and off-periods of melting and freezing. Snow becomes a layer of insulation on your roof, which warms up the air in your attic. Your warm attic then causes the snow to melt and roll down to the edge of the roof and the soffits. Unless the melted snow is able to drain properly, it will freeze and build up over time creating ice dams.

Throughout the winter, if this weather cycle keeps going and the ice dams spread up the roof, water will eventually work its way under your shingles and get into your attic. The water can seep into your insulation causing it to fail. As a result, warm air from your home will rise into your attic making the ice dam grow.

icicles in roof cause ice dam issuesIce damming is a vicious cycle. If you don’t take care of it right away, it’s going to get worse. Over time, wet surfaces attract mould, which causes breathing problems and makes repairs much more expensive and labour intensive.



4 tips to prevent ice damming


Keep the snow load down

You should always keep the snow load on your roof to a minimum to prevent it from causing an ice dam. However, we don’t recommend climbing on top of the roof yourself. Use a roof rake or hire a professional to clear away excess snow. Read SGI tips for using a roof rake.

Clear your gutters and downspouts

Melting snow and icy water need somewhere to go. Clean leaves out of your downspouts and gutters in the fall and then dispose of ice, snow and gunk regularly throughout the winter. Break off any icicles that develop around the roof of your home.


Keep the air moving in your attic

Your attic needs good insulation and ventilation. Without it, the heat inside your home will leak into the attic and cause the snow on the roof to melt. We recommend bringing in a roofing contractor to make sure the airflow is working properly.

Make sure fans and venting are well-sealed


Many homes have exhaust fans, air ducts, chimneys, attic hatches and pipes – and many of these are vented into the attic. They’re designed to move airflow properly but if they aren’t sealed well, extra air can escape around them. We recommend getting into your attic and checking the seals. If they need help, you can fix them yourself or hire a professional to take care of them for you. Good seals will also save you money by keeping your house warmer and preventing your furnace from working as hard to heat it.

 

 

As you walk out of our door, you can do so with the assurance that you are covered with the home 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 us at Campbell & Haliburton Insurance. We would love to help you.


Campbell and Haliburton Insurance

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


Campbell & Haliburton Insurance Is A Trusted Regina Insurance 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 Explain Auto 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 explain all the ins and outs of auto insurance.

So you’ve moved to Saskatchewan. Fantastic! From one transplant to another let me say “Welcome!”  It is a great place to live, work, and raise a family. But can I be honest? Sometimes our auto insurance can seem just a little confusing. When I moved here years ago I was confused... and I’m in insurance! Let me walk you through what auto insurance terms you will hear most often as well as what they mean.

Auto Insurance Terms

SGI

One of the most common terms you will hear in the world of Saskatchewan auto insurance is “SGI.”  SGI stands for Saskatchewan Government Insurance. This is our provincial auto insurance company. They started back in 1945 and are still going strong! Through the SGI Auto Fund, they are responsible for things such as issuing driver’s licenses and providing you plate insurance and registration. They are also the ones you will turn to if you have an insurance claim. In order to get a driver’s license or to plate your vehicle, you will need to go through SGI. To do this you will normally need to go to a Motor License Issuer. Okay, so what is an issuer?

Motor License Issuer

There are motor license issuing offices in virtually every city, town, and village in Saskatchewan. Larger centers such as Regina or Saskatoon actually have quite a few. But even most smaller towns and villages have at least one. To find the office nearest you go to: https://www.sgi.sk.ca/issuer.

The issuer's office is where you will go to actually renew your driver’s license or to register the plate for your vehicle and to get insurance. Issuing offices are run independently, each having its own staff, hours of operations, and locations, however, each one has the same strict guidelines that they need to follow. SGI clearly spells out what can and cannot be done and how it is to be done. They also provide training and ongoing support to their issuers. This protects you because it means the advice that you receive at one issuer's office should be the same as what you receive at another no matter where you are in the province.

You will occasionally hear people referring to their issuing office as “SGI” as in “I’m at SGI getting my plates renewed.” That’s not strictly true, but issuers are certainly agents of SGI and acting on SGI’s behalf.


Driver's License

In order to operate a motor vehicle in Saskatchewan, you need to have a valid Driver’s License. The license you use to drive. It also spells out what type of vehicle you can drive. Your license will show if you are able to drive a car or light vehicle, a motorcycle, school bus, or large transport truck. In order to obtain a driver’s license, you will need to pass a test that has both a written and a driving component. Obtaining a license for a higher class of vehicle requires higher requirements still. More specialized driving training is required in order to operate semi-trucks and motorcycles. People, such as myself, who have moved to Saskatchewan from other provinces or countries may be eligible to have their driver’s license transferred. Your motor license issuer will be able to tell you exactly what documentation you need in order to do this.

Plates

When you register a vehicle in Saskatchewan you also purchase insurance, often called “plate insurance.” This is different from other provinces. In most cases, Saskatchewan’s plate insurance provides you with $200,000 of third-party liability and with $700 deductibles. There are exceptions to this, such as trailers, snowmobiles, and some large trucks have different limits. But for most cars, trucks, SUVs, and minivans this is what the plates will provide.   

Deductibles

A deductible is an amount that you need to pay in the event of a claim. If you are at fault in an accident, if you are the victim of a hit and run, or if you have the misfortune of a hail claim or have your vehicle vandalized, you would be responsible to pay your deductible. In most cases, the deductible that you get with your plate insurance is $700. Your vehicle registration will show what your deductible is.

Auto Insurance: Liability 

Your plate insurance also provides you, in most situations, with $200,000 of coverage. Liability insurance provides coverage if you cause damage to someone else’s property or if you injure someone else. For example, if you were driving and hit another vehicle, your $200,000 of liability would pay to cover their damages. $200,000 is the minimum required by law in Saskatchewan.

All Saskatchewan plated vehicles are insured through SGI and carry basic plate coverage. You are able to have your driver’s license or plate insurance renewed at any SGI issuing office in the province.


Extra Insurance

Some people choose to purchase additional insurance. For many people driving with $200,000 of liability insurance, while sufficient to satisfy the law, is just too low. They want to increase that to $2,000,000, or $5,000,000 or even more. Others want to lower their deductibles. For them, while paying $700 is not enough to bankrupt them, it is enough to be an inconvenience. So they purchase an additional policy to lower their deductible. Others travel distances on gravel roads and are concerned about damage to their windshield. Still, others who purchase a brand new vehicle and want to protect their investment with replacement cost.

These are all additional coverages that are available. However, lower deductibles, higher liability, or replacement cost coverage are not part of your basic plate insurance coverage. For these, you need a separate policy. While you are able to renew your plates or driver’s license at any SGI issuing office, your extra insurance would be renewed only through the location it was originally purchased from.


Terms, Terms, Terms

Here is where you will hear a number of terms thrown around. Auto Pak, Package Policy, or Auto Extension Policy are among the most common. Some of them are specific names that specific insurance companies use. Auto Pak, for example, is a term that is specific to SGI CANADA.

Wait? What? SGI CANADA? I thought you said SGI?

SGI through their Auto Fund is responsible for basic plate insurance. SGI CANADA is an entirely separate company from SGI Auto Fund. SGI CANADA is a private insurance company that provides home insurance, commercial insurance, and additional auto insurance. While it shares part of the name and is a sister company, it is nonetheless, a separate company from SGI.

Auto Insurance, So Many Choices

Consumers have a choice of if they want additional insurance or not and if so, which insurance company they want to use to provide it to them. While the basic plate insurance is always through SGI and is a mandatory requirement in order to operate a motor vehicle, the additional insurance can be from one of a number of companies. While you can go to any motor license issuer to plate your vehicle or renew your driver’s license, you purchase any additional insurance through an insurance agent or broker.

Broker or Motor License Issuer?

Insurance offices often have two separate functions. Many of them have a motor license issuer designation. This means that you can do the majority of your SGI transactions there. But they also have an independent broker component. While that might sound confusing, it can actually make your life easy with one-stop shopping.

How Does Auto Insurance Work?

Say you purchased a vehicle and need to insure it and you come to our office at Campbell & Haliburton. The first thing that you will do is speak with one of our motor license issuers to assist you in plating the vehicle. Once that is done you have purchased the basic insurance required to drive. There is no need to go any further if that is all you are wanting... However, you may want to head down the hall to one of our brokers who can talk with you about any additional coverages that you might need, whether lower deductibles, replacement cost, or higher liability. They will provide you with a quote and if you agree you can purchase the additional insurance without ever need to leave the building.

Now as you walk out the door, you do so with the assurance that you are covered for what auto insurance you need. 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:


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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    S & E Trusted Online Directories Inc
    TrustedRegina.com
    310 Wall St #209
    Saskatoon, SK   S7K 1N7
    Ph: 306.244.4150

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