FAQs
Resources
(306) 757-0621
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2101, Retallack St.
CAMPBELL & HALIBURTON
Insurance Resources
If you have questions, chances are others have had them too! Check out our many frequently asked questions related to our services and products.
C&H FAQS
Auto Insurance
There’s more to insuring a car than licensing it. Explore our FAQs for more information on auto insurance.
What does private insurance cover?
Auto insurance covers collisions, fires, vandalism, hail, and glass damage. It can also provide liability coverage for injury or property damage.
What vehicle types are covered?
Auto insurance covers family vehicles, including classic cars, ATVs, motorcycles, snowmobiles, trailers, and similar recreational vehicles.
What is loss of use coverage?
If your car is damaged and requires repairs or replacement, auto insurance can cover the cost of alternate transportation.
How much coverage do I need?
The right amount of coverage depends on your driving habits, the value of your vehicle, and how much risk you’re willing to take on personally. It’s important to assess your needs and speak with an broker to ensure you’re adequately protected.
Is glass coverage included?
Auto Pak policies do have an option for glass coverage with variable deductibles.
What does life insurance cover?
Life insurance covers loss of life and protects an individual or family’s financial interests.
What types of life insurance are available?
Term or permanent insurance is an option for both adults and children.
Can my insurance be assigned to a trust?
Yes, life insurance can be left to a trust or an estate.
Will my policy cover me out of province?
Yes, most life insurance policies in Saskatchewan cover you worldwide, even if you relocate. However, it’s a good idea to check with your provider to confirm coverage details and whether any conditions apply if you move internationally.
How much coverage do I need?
The amount of coverage depends on your personal situation, including debts, income, family needs, and long-term financial goals. A general rule is to have coverage that’s 5 to 10 times your annual income. Our coverage calculator can help you determine what suits your lifestyle.
C&H FAQS
Life Insurance
Are you unsure how to protect your loved ones in the event of your passing? Check out our FAQs for more information on life insurance.
RESOURCES
PROPERTY INSURANCE
C&H FAQS
Tenant Insurance
What needs to be insured when renting a home or an apartment? Check out our FAQs for more information on tenant insurance.
Is tenant insurance a requirement?
It depends on the landlord or property management company. It is becoming more common for companies and landlords to require tenants to have coverage.
What is comprehensive coverage?
Comprehensive Insurance covers a wide range of risks, providing protection for any damage or loss that isn’t specifically excluded in the policy.
What is named peril insurance?
Named Peril Insurance covers only the risks that are specifically listed in the policy. If a risk isn’t named, it isn’t covered. This type of insurance provides more limited protection compared to comprehensive insurance.
Does tenant insurance cover relocation?
If something requires you to leave your unit while repairs are made, then yes, tenant insurance can cover the cost of living elsewhere, plus meals.
Are floods and sewer backups covered?
Yes, tenant insurance covers sewer backup or flooding due to sudden weather events.
What does home insurance cover?
Home insurance protects one of the most significant investments an individual will make. It covers the property, structure, and possessions found within your home.
What is an overland water endorsement?
An overland water endorsement covers water that enters the home through doors and windows, typically from a storm. Conversely, a water extension endorsement covers river and creek overflow due to heavy rainfall.
Will making a claim impact my premium?
When you make a claim, you pay a deductible before insurance covers the rest. Each claim may increase your premium. For small repairs, the premium increase might not be worth it, but for larger claims, the benefit can outweigh the cost.
What is personal liability insurance?
Personal liability insurance protects you from financial loss if you accidentally injure someone or damage their property. This includes situations like someone slipping on your steps and becoming injured.
Should I insure a vacant home?
Absolutely. Even if your house is vacant, it’s important to have insurance to protect it from potential loss or damage.
C&H FAQS
Home Insurance
Your home is more valuable than you think. Check out our FAQs for more information on home insurance.
C&H FAQS
Condo Insurance
What insurance is not included from condominium boards? Check out our FAQs for more information on condo insurance.
What does condo insurance cover?
Similar to home insurance, condo insurance can provide coverage for personal belongings. It offers additional protection, including unit improvements, building bylaws, equipment breakdowns, or sewer backups.
What is contingent coverage?
Contingent coverage insurance is for when there are damages to a unit and the condominium corporation either does not have insurance or has inadequate insurance.
What is bylaws insurance?
Building bylaws insurance covers the additional costs of fixing a damaged building to comply with current bylaws or building codes.
What unit improvements are covered?
Any upgrades to a standard unit (flooring, countertops, cabinets, etc.), whether by you or a previous owner, would be considered enhancements and are covered by your insurance.
How much is condo insurance?
It all depends on what coverage options you need! Condo insurance can depend on location, your personal property, as well as the value of your property.
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MORE COVERAGES
What does commercial insurance cover?
Commercial insurance can meet many needs. Vehicles, buildings, stock, equipment, tools, and general liability insurance. Coverage can be as diverse as your business.
What if my business has multiple locations?
Commercial insurance policy can be customized to your needs, whether you’re a one-stop shop or operate several locations.
Why is liability insurance important?
Liability insurance is essential to safeguard you from claims of loss or damage to another person or person’s property due to your services or products.
What options are available for service-based businesses?
Insurance can cover service-based businesses against errors, omissions, and negligence claims. Additional coverage options include property insurance, cyber protection, business interruption, and general liability.
What about commercial auto insurance?
Commercial auto insurance covers vehicles used for business purposes, protecting against accidents, damage, and liability. Coverage options include collision, comprehensive, liability, and coverage for employees driving the vehicle.
C&H FAQS
Business Insurance
Commercial Insurance is more than protecting your property. Check out our FAQs for information on commercial insurance.
C&H FAQS
Travel Insurance
How can you protect yourself when travelling? Check out our FAQs for more information on travel insurance.
When should I purchase travel insurance?
Whether you travel for business or pleasure, purchasing travel insurance before you depart will ensure you are covered for unforeseen events.
What if my luggage is lost?
Travel insurance can cover the cost of replacing the contents of your luggage, plus medications.
Does it cover transportation?
Absolutely. Your travel insurance covers an ambulance by ground, air, or sea, which is essential should you require emergency transportation.
Is it credit card insurance enough?
Credit card travel insurance is sometimes automatically included with a credit card purchase, such as booking a trip. However, the coverage is often limited and targets specific risks. Traditional travel insurance will cover a broader range of risks and is customizable to your requirements.
Are dental costs covered?
Yes, if you experience a mishap resulting in dental expenses, travel insurance can help cover those costs.
What does farm insurance cover?
Farm insurance covers so much more than your home. For example, it can protect outbuildings, including granaries and sheds, tools and equipment, livestock and grain.
How much coverage do I need?
Your farm should be insured for the cost of rebuilding if needed. This may not be the same as what the farm would sell for in the current market.
Does it cover tacks and trailers?
Absolutely. Both the tack and trailer are covered under your farm insurance as they are considered part of your farm’s property.
What is service line coverage?
Personal liability insurance protects you from financial loss if you accidentally injure someone or damage their property. This includes situations like someone slipping on your steps and becoming injured.
How much is farm insurance?
Farm insurance costs can fluctuate based on many factors. This may include what equipment you have, the scope of your farming activities, your property, and chosen insurance limits.
C&H FAQS
Farm Insurance
Your farm is your home, business, and legacy. Learn how the right coverage can protect it all in our FAQs.