Home Insurance in BC

Home insurance helps provide financial protection against insured losses such as fire, theft, vandalism and certain types of water damage. It can also provide personal liability coverage and help with additional living expenses if an insured loss makes your home uninhabitable.

Whether you own a house, townhouse or rental property, our team can help you understand your options and find insurance suited to your property, needs and budget.

Coverage depends on the policy selected, including its terms, limits, deductibles and exclusions.

Property Coverage

Help protect your home’s structure against damage caused by insured perils, such as fire, windstorms, hail and certain types of water damage, subject to your policy.

Personal Belongings

Your policy can help cover furniture, electronics, clothing, appliances and other personal belongings if they are damaged or stolen as a result of an insured peril. Special limits may apply to valuables.

Personal Liability

Personal liability coverage can help with legal defence costs and damages if you are held legally responsible for accidental injury to someone else or damage to their property, subject to your policy.

Additional Living Expenses

If damage from an insured peril makes your home uninhabitable, your policy may help cover additional costs for temporary accommodation, meals and other necessary living expenses, subject to policy limits.

Theft and Vandalism

Home insurance can help cover insured losses resulting from break-ins, theft and vandalism, subject to your policy’s terms and deductible.

Replacement Cost Value

Replacement cost reflects the estimated cost to rebuild your home after an insured loss. The cost to replace insured belongings also affects your coverage needs. Construction, labour and material costs can change, so reviewing your coverage regularly is important.

Home Location

Properties in areas with greater exposure to flooding, storms, theft or wildfire may have higher premiums or different coverage requirements. Access to fire protection services can also affect insurance rates.

Claims History

Previous insurance claims can affect your premium and eligibility. A claims-free history may help you qualify for discounts with some insurers.

Age and Condition of the Home

The age and condition of your roof, plumbing, electrical systems and other building components can affect insurance costs and eligibility. Keeping these systems updated may improve your insurance options. Hot water tanks less than 10 years old are recommended; ask an advisor about your insurer’s requirements.

Credit and Insurance History

Some insurers may consider credit information and continuous insurance history when assessing eligibility or available discounts. Where offered, a soft credit check does not affect your credit score. We obtain your verbal or written consent before requesting a credit check for insurance purposes.

Experienced Advisors

Local insurance professionals who understand the needs of BC homeowners and help explain your coverage options.

Competitive Options

We work with trusted insurers to help you find coverage and value suited to your needs.

Claims Guidance

Get guidance when you need to make a claim, with 24-hour claims reporting available through your insurer’s claims service.