Homeowners Insurance
Widely considered as a person’s most expensive purchase is the home in which they live. Having the best house insurance in place with the proper limits to rebuild your home in the event of a total loss is thus absolutely vital. As one of BC’s largest homeowners insurance brokers, our offices can calculate the current rebuilding cost of your home using an industry accepted method. This method is based on costs obtained from contractors and appraisers and allows us to gain access to some of the best home insurance packages in BC. Whether you live in Victoria, Vancouver or in more remote areas of BC, we offer competitive home insurance products for all British Columbians.
Applicable to all home insurance policies in BC, our packages automatically include coverage for Detached Outbuildings, your Personal Property, Additional Living Expenses and Personal Liability.
Coverage Details:
- “Guaranteed Replacement Cost” for the building, as long as your home qualifies
- Full Replacement Cost (new for old) on your Personal Property so your limit must reflect the value to replace all of your Contents in the event of a total loss; Residence Inventory Forms are available at all of our offices
- Personal Liability for bodily injury or property damage to a third party, at home and away; for example, if, as a tenant, you caused a fire at your rented premises and were to be found negligent, the building owner’s insurance could sue you personally for damages
Optional Coverages Include:
- Home Based Business Endorsement
- Earthquake
- Sewer Backup
- Identity Theft
- Umbrella Liability
- Jewellery, Furs and other valuables
- Prized collections
It is evident that home insurance coverage is the best way to protect your largest and most important investment—your home. As a safety net, the insurance policy protects your home in the event of a total loss or damages, either physical or financial. Regardless of how modern or well-built and equipped your home is, it’s vulnerable to items such as fire, vandalism, theft, and other people.
Buying home insurance in BC can be a complex purchase so make sure you understand all the details that are involved. Don’t hesitate to let one of our brokers help make the complex details simple for you to understand, and help you determine the coverage you need, at the best possible rate. For a free insurance quote for your BC residence, check out our online quote tool, or contact an office close to you.
We will work with your insurance company to review the quotes on your home insurance and ensure you get the best coverage at the lowest possible rate. Many insurers offer different coverages so we will help you pick what’s best for your unique circumstance.
What's Covered by Homeowners Insurance?
Your Home
Provides coverage for your home and any detached structures on your property such as your garage, shed, pool house, etc.
Your Property
Provides coverage for the contents inside your home, such as furniture, appliances, electronics, books, clothing and other personal belongings.
Personal Liability Coverage
Provides coverage that helps protect you financially from bodily injuries or property damage to others while they are on your property.
Additional Living Expenses
Provides coverage for costs such hotel rooms, meals, storage costs, and other living expenses as a result of being away from your home due to a covered loss.