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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.
How much does Travel Trailer Insurance Cost in BC?
Most Travel Trailer products are very competitively priced. Each company offers different coverages and coverage limits. Contact one of our offices to find the best product for your needs.
Is New Vehicle Replacement Insurance worth having on a leased vehicle?
Yes! Nowadays, most leasing companies will build GAP insurance into their contracts, but most people don’t realize that GAP is more designed to protect the Lessor as opposed to the Lessee. In the event of a Total Loss, GAP insurance will make up the difference between what a person owes on their leasing contract and the vehicle’s actual cash value. This leaves the Lessee with no vehicle, and nothing to put towards a new one. Our New Car Replacement policy would pay the Insured the difference between the actual cash value settlement that the Lessor received for the loss vehicle, and the cost of the brand new model year, which can then be applied as a down payment towards a new lease or financing contract for a replacement vehicle.
Is there a discount if I have more than one motorcycle insured with ICBC?
Multi-vehicle discounts may be applicable depending on the number of motorcycles insured under the same policy. Speak to your InsureBC broker to find out about this option.
My transaction is not eligible online, now what?
No problem! If you cannot renew your policy online, our licenced insurance agent can assist you in one of three simple ways: Step 1: Visit an office near you to renew your policy in-person. Step 2: Call any of our offices to renew your policy over the phone. Step 3: Complete the renewal request form online and we will contact you to renew your policy via email or over the phone.
What cannot be done online?
You cannot renew your policy online if: It is for a jointly owned vehicle It is for a leased vehicle. It is for a company-owned vehicle It is for a motorcycle It is for a collector vehicle It is a commercial policy It is expired You want to add, remove or change your ICBC optional coverages during the renewal You have outstanding debt owed to ICBC Other potential ineligibilities
What does basic auto coverage from ICBC provide?
Basic coverage from ICBC includes third-party liability, accident benefits and uninsured motorist protection.
What should I look for in an international business insurance provider?
When choosing an international business insurance provider, it's important to look for a company with experience in providing coverage for businesses operating in your industry and geographic location. It's also important to choose a provider with a strong financial rating and a track record of paying claims promptly. InsureBC can help you find the right insurance provider for your needs.
How can I ensure that I have the right amount of coverage?
Working with an experienced international business insurance broker like InsureBC can help ensure that you have the right amount of coverage. Our experts can evaluate your business and recommend the types and amounts of coverage required to mitigate risks.
What information do I need to provide to get international business insurance quotes?
To get international business insurance quotes, you will need to provide information about your business, including its location, industry, and the types of coverage you require.
What is the role of international business insurance brokers?
International business insurance brokers help businesses find the right insurance coverage for their specific needs. They can provide expert advice on the types of coverage required and help businesses find the best insurance providers.
What kind of businesses need international business insurance with US exposure?
Any business that operates in the US or does business with US clients should consider getting international business insurance with US exposure. This can include businesses in industries such as manufacturing, hospitality, and technology.
What is US exposure in international business insurance?
US exposure refers to the risks associated with conducting business in the United States. This can include risks related to US laws and regulations, as well as risks associated with doing business with US clients.
Can I switch insurance companies midway through my term?
Yes, you can switch insurance companies during your term. However, it's advisable to compare life insurance products before making any changes. You may also incur certain costs and penalties if you choose to switch companies during the term. It's best to speak with an insurance advisor to understand the exact costs before making a decision.
What happens if I outlive my 25-year term life insurance policy?
At the end of the term, you can choose to renew your policy or convert it into a permanent life insurance plan. This allows you to extend your coverage and benefit from additional features such as an accumulative cash value.
Can I purchase life insurance even if I have a pre-existing condition?
Yes, although it may affect your life insurance premiums, having a pre-existing condition doesn't automatically disqualify you from getting coverage.
What if I want to cancel my policy before the end of the term?
Most life insurance policies allow you to cancel at any time. However, you will not receive a refund for the premiums you've already paid. Your broker can provide more information on the cancellation process.
Can I get a 15-year term life insurance policy if I smoke?
Yes, but keep in mind that smokers generally pay higher life insurance premiums than non-smokers. For more details, we recommend reaching out to your broker.
What happens to my 15-year term life insurance policy at the end of the term?
At the end of the term, you have the option to renew your policy, typically at a higher premium, or convert it into a permanent policy without a medical exam.
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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