InsureBC's Expert Corner

For most people, real estate is their biggest asset. Whether it is your primary residence or rented out for extra income, it is important to protect your biggest investment. Most homeowners or renters can’t afford to rebuild or replace their home if it is damaged or destroyed by natural disasters like fires, earthquakes, floods, or hail. House insurance not only provides coverage for the dwelling, it also covers replacing personal property, liability if someone is injured on the premises, and additional living expenses if you have to rent another place temporarily. Insurance gives us peace of mind, knowing that in a worst-case scenario, we can pay for somewhere to live and replace our belongings until we can rebuild or rent another home.

Do you know what homeowners insurance covers? And, what types of homeowners insurance coverage exist? Maybe you have heard from your family, realtors or mortgage brokers saying the importance of buying homeowners insurance. But why? If you can’t answer some or none of the questions I’ve asked, this article will help you understand all the important things about homeowners insurance so that you can make an informed buying decision when you’re ready. 

Get a quick and customizable rate for home insurance in Victoria with InsureBC. Learn about factors affecting cost and ways to lower it.

As a condo owner, you’ll need a condo insurance policy to protect the interior of your condominium unit and your personal belongings inside. Condo insurance also includes personal liability coverage, which covers you in the event you’re found legally responsible for property damage or bodily injury, like if a guest injures themselves in your home for example.

Learn how to navigate Small Business Liability Insurance in British Columbia with our expert guide. Avoid common pitfalls, understand policy nuances, and ensure your business is adequately protected against liability risks. Essential reading for savvy business owners!

Professional Liability Insurance is a type of insurance coverage designed to serve as a safety net for businesses and individuals against the risk of being legally held accountable for situations like negligence, accidents, injuries, or malpractice. For professionals providing advice or services—such as lawyers, accountants, consultants, and architects—this coverage is especially crucial. In essence, it's protection against potential claims arising from their professional advice or services.

Learn why small business general liability insurance is so important, including what it covers and how to find the right coverage for your business

Gain a comprehensive understanding of the different types of permanent life insurance available, such as whole life, universal life, indexed universal life, variable universal life, and survivorship life insurance. Explore their features, benefits, and suitability for lifelong coverage. Make an informed decision to secure your financial future.

Discover the benefits and coverage of critical illness insurance in Canada. Find out how this policy offers financial assistance for medical expenses and lost income during challenging times. Learn how to determine the right amount of coverage and explore cost-saving tips. Secure your financial future with critical illness insurance today.

Discover how to calculate the right amount of coverage for critical illness insurance based on your unique circumstances. Explore the distinctions between critical illness insurance and other insurance types. Understand the factors influencing the cost and the target audience. Make informed decisions about your critical illness insurance needs with our comprehensive guide.

Discover how health insurance operates in Canada, with an in-depth guide covering its significance, types, coverage options, and benefits. Navigate the complexities of the Canadian healthcare system and make informed decisions about your health insurance needs.