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Victoria Home Insurance

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Victoria, the capital city of British Columbia, is home to just under 400,000 residents. It is the largest city on the island, located on the southern coast of Vancouver Island, off Canada’s Pacific coast. Because of the location, there are numerous ocean views from many parts of the city and the downtown core is set on a picturesque marina. Victoria gets many tourists in the summer months who visit for the natural beauty and many cultural attractions the city holds. Just outside the city, on Vancouver Island, there are a number of natural features to explore from the forests, lakes, ocean, and mountains. Victoria has a high cost of living but is a safe, family-friendly place to live.

Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting the best insurance coverage to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that. Contact your Surex insurance broker today to learn how we can help you get insurance online in a few short minutes.

Home Insurance in Victoria - What You Need to Know

Home insurance in Victoria provides the protection you need no matter what kind of home you have. When you need to make a claim, home insurance will help you keep peace of mind if anything comes up.

A licensed insurance advisor can offer home insurance in Victoria.  If you contact the insurance broker channel they can provide you with online insurance quotes from the top Canadian home insurance companies, so you can see comparables in price and coverage!

Home insurance in Victoria provides the protection you need no matter what kind of home you have. When you need to make a claim, home insurance will help you keep peace of mind if anything comes up.

Home insurance in Canada is not legally required if you’ve paid your house in full. However, you should purchase home insurance prior to getting a mortgage.

The two types of home insurance are:

  • Broad home insurance: perils like water, lightning, hail, windstorm, fire, smoke, explosion, falling objects, vandalism, theft, and impact to vehicles or aircraft. 
  • Comprehensive home insurance: this is the most comprehensive level of home insurance in Canada. This includes coverage for all perils with broad insurance in addition to unintentional damage and disappearance of home contents.
Top Parks in Victoria
  1. Clover Point Park
  2. Beacon Hill Park
  3. Gonzales Hill Regional Park
Things to See in Victoria
  1. Royal BC Museum
  2. Craigdarroch Castle
  3. Beacon Hill Park
Best Restaurants in Victoria
  1. II Terrazzo
  2. Pagliacci’s
  3. Saveur Restaurant

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Frequently Asked Questions About Home Insurance in Victoria

The cost typically depends on a number of factors including the construction of the home, updates to heating, electrical, plumbing, and roofing, chances of water damage, prior claims, and more. It’s best to budget approximately $600-1500 annually for home insurance costs, but again this will vary person to person. 

Factors that influence the cost of home insurance include: the age of the home, the size of the home, the number of residents, the cost of replacement, the internal and exterior construction, the location, as well as the proximity to local services like fire and police stations.

The most affordable home insurance provider will depend on every customer’s unique situation. The top Canadain home insurance companies in Victoria have their own formula, meaning some criteria like driving record or age may weigh more than others. It’s a good idea to compare insurance companies and quotes with Surex so that the best insurance broker can shop the market for you. 

Insurance Carriers will notify the client if the insurance policy is automatically renewing by sending out policy documents usually 30-60 prior to renewal date.

The most affordable home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. Comparing quotes with Surex will allow you to get the cheapest price on home insurance.

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