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Can I get a home insurance quote online?
Absolutely. With InsureBC, you can get an instant online quote in just minutes. Our platform makes it easy to compare coverage options, adjust your limits, and choose a policy that fits your lifestyle and budget.
And if you’d like to explore additional choices beyond what’s available online, our licensed insurance advisers can shop the broader market on your behalf. They’ll review options from multiple insurers, answer your questions, and help ensure you’re getting the right protection at the best value.
Does home insurance cover water damage?
Yes, it does but coverage depends on the cause of the damage. If the damage is sudden and accidental, such as a burst pipe or a storm-related roof leak, you’re typically covered. However, ongoing maintenance issues like gradual roof wear, seepage, or poor upkeep are not covered.
To strengthen your protection, InsureBC offers optional add-ons for overland water coverage which protects you against flooding from heavy rainfall or overflowing rivers.
What does home insurance cover?
A standard home insurance policy provides four key areas of protection:
- Dwelling protection – Covers your home, garage, sheds, decks, and other structures.
- Personal property – Covers your belongings such as furniture, electronics, and clothing, even if they’re temporarily outside the home.
- Personal liability – Protects you if someone is injured on your property or if you accidentally damage another person’s property.
- Additional living expenses – Pays for hotel stays, meals, and storage if you can’t live in your home while it’s being repaired after a covered loss.
*Please see our policy wordings for more details.
This coverage ensures that both your financial investment and peace of mind are protected.
How much coverage do I need for home insurance?
You should insure your home for the cost of rebuilding it today, not the market value or your mortgage balance. This ensures you’re protected against unexpected rebuilding costs caused by inflation or rising construction expenses.
InsureBC brokers use professional tools and appraisals to calculate the full replacement value of your home, so you won’t be left underinsured in the event of a loss.
How much is home insurance in BC?
The cost of home insurance in BC depends on several factors, including your home’s location, age, building materials, and the amount of coverage you choose. Properties located in areas with higher wildfire or flood risks may see higher premiums. At InsureBC, we use current rebuilding cost evaluations to make sure your coverage is accurate and up to date.
💡 Tip: Even two similar homes in the same city can have different premiums. That’s why it’s important to get a customized quote.
Are valuable collections and art covered under high value home insurance?
Yes. One of the key advantages of high-value home insurance is the broader protection it provides for valuable collections. Compared to standard home policies, which often impose low special limits and require appraisals for each high-value item, high-value programs include much higher limits and more flexibility.
For example:
- Jewelry, fine art, and collectibles are covered with higher automatic sub-limits.
- Some insurers, like Chubb, even offer blanket coverage for valuable articles (such as an entire collection of luxury watches) without requiring an appraisal for every item.
- Coverage can be tailored for specific categories—whether art, antiques, wine, or other collections so that your assets are fully protected.
Do I need to keep a copy of my renewal documents in my car even if I renewed online?
You must print out your renewal documents and keep them in your vehicle at all times. If you do not have a printer, your local office would be happy to print this for you free of charge. Alternatively, you can request a copy be mailed to you via Canada Post (please allow up to 10 days for delivery)
Does being in a car accident affect my car insurance premium?
For an estimate, the impact of an at-fault claim will have on future Autoplan premiums, visit the premium impact estimator.
Does my policy cover personal items inside the trailer?
It depends on the provider but many will offer additional property replacement provisions which can include reimbursement costs incurred for personal items stored inside a travel trailer. Such coverage may extend to things like furniture, appliances, electronics and other belongings that are lost or damaged due to an eligible risk situation. It is important to check with your insurer to determine the level of coverage available.
How Much Does Auto Insurance Cost in BC?
ICBC bases your car insurance premiums on a variety of factors including the principal operator’s driving experience, the territory of operation of the vehicle, the location of the vehicle when not in use, the use of the vehicle (pleasure only, business, artisan, etc.), the type of car, and any applicable discounts that may apply. If you have more than 10 years driving experience and a good driving record, a private carrier may provide better value for your optional coverages. Ask one of our agents to see if private auto insurance is right for you. Car insurance is expensive in Canada, particularly if you have recently obtained your driver’s license and do not have any driving experience. Let one of our licensed team members assist you or your teenager with getting the best car insurance quotes for first-time drivers. They will reach out to all applicable insurance companies to find a good product for young drivers, while keeping the insurance cost as low as possible, saving you money.
How can I log in to access my online Autoplan Renewal?
You can log in using your BC Service Card app on your mobile device. This is used to prove your identity when accessing online government services. Learn how to set up and use the BC Service Card App. To complete the set-up of this app, you must verify your identity. This verification process may take a few days, so we recommend completing it in advance of your policy’s expiry date.
How do I buy, sell or import a motorcycle?
Our licensed insurance agents can transfer a motorcycle or even a scooter and get you back on the road pronto. Even if you are planning to import a motorcycle into BC from another Province or internationally, our team can assist you with all the paperwork required to get your two-wheeler back on the road. Please give our office a call in advance to find out which documentation is required to obtain a motorcycle insurance policy given your specific situation.
How much does a surety bond cost in British Columbia?
The cost of a surety bond depends on various factors, such as the type of bond, bond amount, the risk associated with the obligation, and the creditworthiness of the principal.
What is the difference between a surety bond and insurance?
Insurance covers potential future losses, while surety bonds ensure that obligations are fulfilled. In other words, insurance protects against unexpected losses, while surety bonds protect against non-performance.
Who needs a surety bond?
Surety bonds are often required by contractors, government agencies, and individuals who want to ensure the fulfillment of obligations or compliance with regulations.
What is a surety bond?
A surety bond is a three-party agreement that ensures the fulfillment of a contractual obligation between the obligee and the principal, backed by a third-party surety company.
How much does home-based business insurance cost in BC?
Home-based business insurance is much more affordable than most small (home-based) business owners think. Depending on the nature of your business, how much equipment you have at home that is used for business purposes and how much revenue you anticipate generating, a home-based business insurance policy will only set you back as little as$50-75 monthly.
How much does Directors & Officers Insurance Cost in BC?
A Directors and Officers Liability policy is not nearly as expensive as people think. Depending on the roles the Directors and/or Officers are required to fulfill, a policy can start as low as $400 annually. Please contact one of our 90 locations for a free, no-obligation quote for D&O insurance.
How does the application process work for a 30-year term life insurance plan?
The application process involves filling out a form with your personal and medical information. Some insurers may require a medical exam. Check with your broker to know about the details of application process related to your case.
What happens if I outlive my 30-year term insurance policy?
If you outlive your policy, the coverage ends. However, you may have the option to renew your policy or convert it into a permanent one.
Are there any pre-existing medical conditions excluded from 30-Year Term Insurance?
Yes, some pre-existing medical conditions and high-risk activities may be excluded or require specialized coverage. We recommend discussing all potential exclusions with your insurer prior to purchase.
Can I convert my 30-year term insurance into a permanent life insurance plan?
Yes, many term life insurance plans offer the option to switch to a permanent life insurance plan during the policy term, without a medical exam. You can discuss the details with your broker for additional information.
How can I get a 25-year term life insurance quote?
You can get a 25-year term life insurance quote from InsureBC simply by filling out the form by clicking on this link.
Can I add riders to my 25-year term policy?
Yes, you can add additional coverage with riders such as accelerated death benefit, waiver of premium, accidental death benefit, etc., depending on your insurance company. These riders give you greater flexibility in customizing your policy and protecting your family.
What should I do if I think I've been a victim of identity theft?
If you suspect that you've been a victim of identity theft, act quickly. Contact your bank and credit card companies, place fraud alerts on your credit reports, and file a police report. Contact your broker for more details on what steps to take.
Will Identity Theft Restoration Insurance prevent identity theft from happening?
No, InsureBC's Identity Theft Restoration Insurance cannot prevent identity theft from happening. However, it can help protect you financially in the event of an identity theft event.
Can I purchase InsureBC's Identity Theft Restoration Insurance online?
Yes, you can purchase InsureBC's Identity Theft Restoration Insurance online. Simply visit our website by clicking this link and complete the online application to get a personalized quote.
What is identity theft insurance?
Identity theft insurance is a type of insurance policy that helps protect you from financial losses resulting from identity theft. It typically covers expenses related to restoring your identity, such as lost wages, legal fees, and credit monitoring services.
What should I look for when choosing a boat insurance policy in BC?
When choosing a boat insurance policy in BC, it's important to consider the coverage options, deductibles, and premiums. You should also research the insurer's reputation for customer service and claims handling.
What factors affect the cost of boat insurance in BC?
The cost of boat insurance can vary depending on several factors, such as the type and size of your boat, its age and condition, where you operate it, and your driving record. Other factors may also come into play, such as whether you have safety equipment on board, such as life jackets and fire extinguishers.
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