Home Insurance in British Columbia
A home is typically one’s biggest investment. Therefore, having comprehensive home insurance with proper limits to protect your home in the event of a loss is vital.
As one of BC’s largest insurance brokerages specializing in home insurance, we calculate the current rebuilding cost of your home using professional evaluation methods. These tools are based on costs obtained from contractors and appraisers, which then allow us to offer the most accurate home insurance policies in British Columbia. Whether you live in Vancouver, Victoria or a more remote area of BC, we’ve got you covered.
From your beautiful hardwood floors to your granite counter tops and everything in between, your insurance policy is there to ensure that your home wil be rebuilt or fixed as it was in before the loss. The policy also provides coverage for things such as outhouses, garden sheds, patios, decks and garages.
This part of the policy provides coverage for all of your personal belongings inside your home, such as furniture, appliances, electronics, books, clothing, etc. This also includes personal property temporarily held at other locations or inside your vehicle.
When a situation occurs that results in unintentional bodily injury or property damage to others arising form your actions, your insurance policy extends coverage to protect you against liability claims and lawsuits.
Additional Living Expenses
If you have to temporarily relocate while your home is being repaired after a covered loss, this part of the policy will provide coverage for additional costs such as hotel, meals, storage costs and other living expenses.
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Optional Add-ons and Customizations
To cover any damage caused to your home as a direct result of an earthquake, you can add this coverage to your home insurance policy.
This coverage provides broader water damage protection for loss or damage caused by sewer backup, an overflowing appliance or overland flood from surface water or ground water. This coverage may not be available to all BC residents.
In addition to a number of add-ons, our online home insurance policy provides a number of flexible customizations. You can set the limits that you want, schedule personal property, and more.
Our online home insurance policy offers a comprehensive all-inclusive insurance offering specifically for our BC customers. It features a series of industry-leading coverages, elevated coverage limits, and it’s backed by superior, locally operated claims service. We have featured some of the key components of our online condo policy below.
Amount of Coverage
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Tips & Tricks
Build your claims-free discount
Most insurance carriers provide discounts to those who have gone several years without experiencing an insurance claim.
Improve your home security
Make your property more secure with a monitored burglar alarm system. Many insurance carriers will offer you a home security discount as a result.
Paying annually for your premium typically offers savings over monthly financing.
Frequently asked Questions
What should my home insurance deductible be?
Does homeowners insurance cover a home business?
What type of coverage do I need?
Will my home insurance go up if I make a claim?
How much should I be paying for home insurance in BC?
What does home insurance cover?
Looking to File a Claim?
Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.