Kilgour Bell | Personal Insurance

Personal Insurance

Protect Your Home with Tailored Insurance Solutions

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Customized insurance solutions to meet your specific needs

Personalized attention and exceptional customer service

Peace of mind knowing your home is protected

Don’t Leave Protection to Chance

As a homeowner, you understand the importance of protecting your most valuable asset. Your home represents years of hard work, investment, and cherished memories. However, unforeseen events such as accidents, natural disasters, or theft can disrupt your life and put your home at risk. Without the right insurance coverage, you could face significant financial losses and emotional distress.

Protect Your Home, Your Way

At Kilgour Bell Insurance, we specialize in providing comprehensive and tailored insurance solutions for homeowners like you. Our team understands the unique circumstances and lifestyles of people from all walks of life and all areas of the city, and especially the affluent homeowners, military families, condo owners, and families in central and north River Heights where our office has served for decades. With our expertise and commitment to exceptional customer service, we offer the ideal insurance coverage that matches your specific needs.

The Personal Touch from Your Neighbourhood Brokerage

With our personalized approach, we take the time to assess your home and its contents, identify potential risks, and design a customized insurance plan that provides the coverage you need. Whether you own a high-value property, have unique assets, or require specialized coverage for military-related risks, we have the expertise to ensure your home is fully protected.

Three Simple Steps to Safeguard Your Home

Book Your Free Consultation

We start by understanding your home, its unique features, your individual lifestyle, and your specific requirements. Our knowledgeable team will guide you through the insurance options available, answering your questions and providing expert advice.

Get Custom-Tailored Solutions

Based on our thorough assessment, we present you with a personalized insurance plan that addresses the unique needs of your home and lifestyle. We ensure that you have comprehensive coverage that protects your property, belongings, and liability.

Receive Ongoing Support

Our commitment doesn't end with the purchase of your policy. We provide continuous support, including annual reviews to accommodate any changes in your circumstances, claims assistance, and prompt resolution of any insurance-related concerns.

Find Peace of Mind with Comprehensive Coverage

Without proper insurance coverage, your home is vulnerable to a range of risks. Accidents, natural disasters, or theft can lead to significant financial burdens, emotional distress, and disruption to your daily life. It's time to experience a transformative change by securing the right insurance coverage for your home.

Partnering with Kilgour Bell Insurance will provide you with the peace of mind that comes from knowing your home is safeguarded against unforeseen events. With our comprehensive coverage, personalized service, and attention to detail, you can enjoy your home to the fullest, knowing that you are protected.

What Our Neighbour Clients Say

"Cameron and Sharla are exceptionally knowledgeable and easy to work with."

Lisa Hobday

"Cameron has always provided us with excellent service—’above and beyond’ kind of stuff. We won't go anywhere else for any insurance needs. Highly, highly recommend."

Jon K.

"Cameron is extremely reliable, well-spoken and knowledgeable in his field of work - he also made my home insurance set up very easy for me to deal with from work with e-documents, emails and phone calls. Thank You for making this step of home ownership the easiest!"

Jenny Wuckert

The Kilgour Bell Difference

When you choose Kilgour Bell Insurance as your trusted insurance partner, you can expect:

Tailored coverage that matches your unique circumstances and lifestyle
Exceptional customer service from a dedicated team
Reliable support whenever you need it and flexible solutions adapted to your needs

Peace of mind knowing your home is protected against potential risks
Competitive pricing and flexible payment options
Prompt claims assistance and support throughout the insurance process

Common Types of Personal Insurance Policies

Homeowner
Insurance

Protects your home and personal belongings against damage or loss caused by covered perils, providing financial security and peace of mind.

Condominium Unit
Owner Insurance

Specifically tailored for coverages, including condo unit owners, providing many condo-specific coverages—including condominium deductible assessment coverage.

Tenant
Insurance

Covers all of your possessions as well as any damage you may cause to your rented home such as fire.

Cottage Insurance

Specifically designed for seasonal or vacation properties, it safeguards your cottage or cabin against risks such as fire, theft, or liability issues.

Watercraft Insurance

Provides coverage for boats and watercraft, protecting against damage, theft, and liability while enjoying recreational activities on the water.

Personal Umbrella Liability

Offers extended liability coverage beyond the limits of your homeowners insurance, providing additional protection against potential lawsuits and high-cost claims.

Crucial Coverage Options

Sewer Backup

Coverage for water entering your home through the sewer lines. Discounts may be available with the presence of a backwater valve and/or sump pump.

Overland Water

Covers freshwater flooding and rainwater “flash flooding” which is otherwise excluded.

Service Line

Coverage for damage to an underground Service Line including sewer, water, and gas lines.

Scheduled Articles

A standard personal insurance policy limits the amount claimable on certain items. Make sure to let your broker know if you have any high value items such as jewellery or fine art.

Home-Based Business Insurance

A standard insurance policy excludes any property used for business purposes. Make sure you're properly protected by adding this extension if you operate a business out of your home.

Secure Your Home and Belongings Today!

Take the first step towards protecting your home and family. Get started today and let Kilgour Bell Insurance provide you with the trusted coverage and exceptional service you deserve.

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Frequently Asked Questions

Below we answer some of the most common personal insurance questions:

What types of coverage do I need for my home?

The coverage you need depends on the characteristics of your home and lifestyle. For example, homes with finished basements should have higher limits of sewer backup coverage. We tailor the policy to you and your home.

How can I determine the value of my home and possessions?

An insurance agent can help you assess the value of your home and belongings by considering factors such as market value, replacement cost, and appraisals. Documenting your possessions with photos or videos can also be helpful.

What is the difference between replacement cost and actual cash value?

Replacement cost coverage pays for the cost of repairing or replacing your damaged property with new items of similar kind and quality. Actual cash value coverage takes depreciation into account, meaning you may receive less compensation for older items.

Are there any discounts available for homeowners insurance?

Yes, many insurance companies offer discounts based on factors such as security systems, fire alarms, claims frequency, and loyalty. It's important to discuss potential discounts with your insurance broker to ensure you're taking advantage of all available savings.

What happens if my home is damaged or destroyed?

If your home experiences damage or is destroyed, you should contact your insurance broker or company immediately to initiate the claims process. An adjuster will assess the damage and work with you to determine the appropriate compensation.

Are floods covered by standard homeowners insurance?

No, standard homeowners insurance typically does not cover floods. Separate policies, such as flood insurance, may be required to provide coverage for these specific perils; however if your home qualifies you can purchase Overland Water coverage as an extension to your standard homeowners policy.

Can I adjust my coverage limits over time?

Yes, you can typically adjust your coverage limits as your needs change. It's recommended to review your policy annually and consult with your insurance broker to ensure your coverage aligns with your current circumstances. Certain limits such as sewer backup or overland water can only be adjusted at renewal. Most other limits are adjustable with the parameters of the insurance company's guidelines.

How does a deductible affect my homeowners insurance?

A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible may lower your premium but means you'll have a larger financial responsibility in the event of a claim.

What happens if someone gets injured on my property?

Liability coverage in your homeowners insurance policy can provide protection if someone is injured on your property. It can help cover medical expenses, legal fees, and damages if you are found responsible for the injury.