House Insurance

Buying Home Insurance in BC

Widely considered as a person’s most expensive purchase is the home in which they live. Having the most comprehensive home insurance in place with the proper limits to rebuild your home in the event of a total loss is therefore absolutely vital.

As one of BC’s largest broker networks specializing in house insurance, we calculate the current rebuilding cost of your home using various professional evaluation methods. These tools are based on costs obtained from contractors and appraisers and allow us to offer some of the best and most accurate home insurance policies available in British Columbia. Whether you live in Victoria, Vancouver, or a more remote area of BC, we offer competitive home insurance products for all British Columbians.

What's Covered by Homeowners Insurance?

Home

From your beautiful hardwood floors to your brand new granite countertops and everything in between, the insurance policy you buy is there to ensure that your home will be rebuilt or fixed as good as it was before your loss, if not better. This policy also provides coverage for things such as outhouses, garden sheds, patios, decks, and even that beautiful garage you just built.

Personal Belongings

From your beautiful hardwood floors to your brand new granite countertops and everything in between, the insurance policy you buy is there to ensure that your home will be rebuilt or fixed as good as it was before your loss, if not better. This policy also provides coverage for things such as outhouses, garden sheds, patios, decks, and even that beautiful garage you just built.

Personal Liability

From your beautiful hardwood floors to your brand new granite countertops and everything in between, the insurance policy you buy is there to ensure that your home will be rebuilt or fixed as good as it was before your loss, if not better. This policy also provides coverage for things such as outhouses, garden sheds, patios, decks, and even that beautiful garage you just built.

Living Expenses

From your beautiful hardwood floors to your brand new granite countertops and everything in between, the insurance policy you buy is there to ensure that your home will be rebuilt or fixed as good as it was before your loss, if not better. This policy also provides coverage for things such as outhouses, garden sheds, patios, decks, and even that beautiful garage you just built.

Our Online Homeowners Coverage Details

Our online homeowners insurance policy offers a comprehensive home insurance solution that our BC customers love. 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 homeowners policy below:

Coverage Type

Limit of Coverage

Dwelling

$250,000 - $1,200,000 | Guaranteed Replacement Cost Included

Detached Private Structure

Up to 10% of Dwelling Limit

Personal Contents

Up to 70% of Dwelling Limit

Personal Liability

Up to $3,000,000

Additional Living Expenses

Up to 20% of Dwelling Limit

Identity Theft

Up to $15,000

Sewer Backup

Up to Dwelling Limit – If eligible

Bicycles

Up to $3,000 Each

Jewellery, Watches, Gems

Up to $10,000

And More!

– Coverages subject to eligibility and may change at any time.

Enhance Your Coverage with Optional Add-Ons & Customizations

Water protection

This coverage provides broader water damage protection in the case of loss or damage caused by and happening at the same time as surface water, groundwater or sewer back up event. The coverage limits are the same as those available for Sewer Backup but may not be available to all BC residents, and is subject to the policy deductible.

Earthquake

Earthquakes are common in BC, with an average of 3,000 reported each year. To cover any damage caused to your home as a direct result of a seismic event, you can add earthquake coverage to your homeowners insurance policy.

Other Customizations

In addition to a number of important add-ons, our online Homeowners policy provides you with a number of flexible and customizable coverage options. For example, you can select your policy deductible, home deductible protection limit, personal property limit, and even schedule special items such as jewelry, bicycles, and other items.