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British Columbia Home Insurance

Multiple Home Insurance Quotes + A Real Person To Help You Along The Way

Surex can help you save up to 25% on the best home insurance BC providers have to offer

Do you love hiking through winding trails, exploring wild forests and camping in serene locales? Then British Columbia is the place to be. British Columbia is known as the last frontier of Canada, and rightfully so — this lush, beautiful province has adventures waiting around every corner. It’s not hard to see why British Columbia is a fantastic place to visit and live. If you’re planning on moving to British Columbia or are looking for a new living space, you should remember to factor the price of home insurance into the overall moving costs. Although home insurance isn’t required by law, your mortgage lender will most likely ask you to purchase coverage.

Are you having a hard time finding affordable home insurance in BC? Reach out to a licensed Surex insurance advisor to get insurance online or over the phone today. Our experienced advisors can answer any questions that you have and help you find the best discounts on coverage from the top home insurance companies in Canada. Contact an advisor today to learn how you can save up to 25% on the best coverage!

Comparing rates from Canada’s leading Home insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage That Surex Provides Homeowners in British Columbia
Home Insurance

This provides coverage for loss and damage to your property and/or any assets.

Liability Coverage

This would provide protection against claims resulting from injuries, and damage to people and/or property.


A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.

Sewer Backup, Overland/Ground Water

These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.

Claims Forgiveness

This allows for the protection of your “claims free discount” in the event of your first claim.

Scheduled Items

Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.

Comprehensive Insurance Coverage

When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.

Broad Coverage

When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)

Home Insurance in British Columbia - What You Need to Know

You will need the following information to ensure quote accuracy while getting quotes from the top home insurance companies in Canada:

  • Square footage of your home
  • Year your home was built
  • Details on any upgrades or modifications
  • Your exact address
  • Your personal home insurance claims history

We provide affordable home insurance in BC to look after the bricks and mortar part of your home, as well as your possessions inside. You can get online insurance to protect against fire, fixes and repairs.

You can be covered from inclement weather such as wind, hail and lightning. Our coverage also extends to protect your valuables from theft.

Depending where you live in, some home insurance coverages might be required in a home insurance policy in BC. For instance, if you live in an area that has high winds, windstorm coverage might be mandatory in a home insurance policy.

If you’re curious about other potential coverages you can add to your home insurance policy that aren’t required, your Surex Personal Assistant will be able to explain the benefits of adding coverage, as well as let you know how it’ll impact your annual home insurance premiums.


Home insurance typically comes in three forms: (1) Comprehensive or All Perils, (2) Basic or Named Perils, and (3) Broad. Comprehensive is the most complete form of coverage available, protecting your home against all threats (excluding those which require additional coverage — such as high-value items and water damage — and those specifically left off your policy). Basic coverage protects your home and its contents against those threats that have been specifically added to your policy. Broad coverage is a combination of the previous two, protecting your property in a ‘comprehensive’ sense, and protecting your belongings in a ‘basic’ sense. Speak with a qualified Dedicated Insurance Assistant about what home insurance coverage type is right for your property.


As BC's home Insurance Marketplace, Surex has partnered with the top home insurers in Canada that offer coverage in BC so you can choose the most ideal home policy for you, from a reputable insurer.

Working with the top home insurance companies in BC we want you to be able to have the exact home insurance policy you want and need. Customize your home insurance policy to give you peace of mind that you and your family are properly covered in the event of a home insurance claim.

Top Places to Visit in BC
  1. Haida Gwaii
  2. Vancouver
  3. Canadian Rockies
Best BC Fishing Spots
  1. Skeena River
  2. Campbell River
  3. Quesnel Lake
Best Seafood Restaurants
  1. Rodney's Oyster House
  2. Joe Fortes Seafood & Chop House
  3. Blue Water Cafe + Raw Bar

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Speak to a Dedicated Advisor

Insurance Broker

Licensed Insurance Advisor

Do you have questions about home insurance in British Columbia?

When you invest in the best home insurance BC has to offer, your policy protects you and your home in the event of a home insurance claim. If you didn’t have homeowners insurance, then you would be held 100% responsible for any damages or loss.

If you’re actively paying off your home’s mortgage or loan, there is an extremely high chance that homeowners insurance is required, as per your mortgage contract.

The amount you pay for home insurance in BC is dictated by a few things, including:

  • The amount of home insurance coverage you choose to have
  • The, potential, replacement cost of your home
  • Home insurance data, specific to your area (city and province)
  • Your personal home insurance claims history (if you’ve had multiple prior home insurance claims, expect to pay more compared to someone that has a clean home insurance claims history)

Home insurance in British Columbia is more expensive due to the high earthquake risk - which sees about 40- 60% of BC residents purchasing earthquake coverage. This is a significantly higher number than the rest of Canada. (Quebec is also considered a high earthquake zone, but only 5-10% of residents buy it).

There are a few things to keep in mind when buying home insurance in British Columbia to keep your home safe and protect against all the risks:

Earthquake Insurance in BC: If you live in a high-risk earthquake zone, make sure your policy has enough insurance to protect your home when, and if, it happens. Earthquake insurance can be confusing to decipher, with how much you may need, depending on what area you reside in. Be sure to talk to your dedicated insurance broker to go over your options and what you need to properly protect your home.

Flood coverage in BC: If you live in an area that is prone to flooding, or live near a freshwater source, then you should definitely consider adding this coverage to your home insurance policy. Over the past few years, the insurance industry has made some drastic changes to flood coverage and added their own version of flood coverage to their policies – so check with the best insurance broker to see what coverage you might need to protect your home.

Pipes Freezing in BC: If you live in a colder part of the province that sees you covering your pipes when they freeze in the sub-zero temperatures – this may automatically be covered in your policy. What might not be covered is when you go away on vacation and don't have a friend or family member come by to check on your home. Some companies may require you to have someone look in on your place on a daily basis. Check what your policy states before going away, and make sure to drain your pipes no matter what, just to be safe!

You’re at the exact right spot to get the best home insurance BC has in store! As soon as you start a quote on our online home insurance marketplace, you’ll be assigned a Surex Personal Assistant that can help you compare insurance companies and set up your home insurance policy in BC.

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