Skip to main content

British Columbia Home Insurance

Surex wants to help you protect everything in your home it is, after all, your most valuable asset. We also want you to have peace of mind that there isn’t a better home insurance rate out there, which is why we’ve partnered with BC's best home insurance carriers.

Looking for home insurance? You are in the right spot!

In British Columbia, home insurance can vary a lot by city. The best home insurance provider/coverage for your friend may not be the best provider/coverage for you. Your home may have a sub pump, maybe a newer roof, maybe your friends home in on a hill or by a lake all of these things come into consideration when you are getting a quote.

This is why it’s important to think about your personal needs and shop the Surex Insurance Marketplace™.

Take a few mins. and see for yourself!

Comparing rates from Canada’s leading Home insurance providers
Types of Coverage We Provide
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.
Deductible
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.)
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
Home Insurance In BC - What Do You Need to Know?

You will need the following information to ensure quote accuracy:

  • 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 cheap home insurance to look after the bricks and mortar part of your home, as well as your possessions inside. You can get online home 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 Saskatchewan, some home insurance coverages might be required in a home insurance policy. 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.

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

Working with the top home insurers 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.

Compare Real Quotes

+

Talk to Real People

Insurance Broker
Nima
Licensed Insurance Advisor
Have questions? We’ve got answers

Homeowners insurance 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 homeowners insurance 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)

You’re at the exact right spot to get your home insurance! As soon as you start a quote on our online home insurance marketplace, you’ll be assigned a SK Surex Personal Assistant to help you complete and set up your home insurance policy.

Surex News and Blog
Why consider renter's insurance
3 min
Protection worth having and worth the money What Is Renter's Insurance? Renter's insurance is a policy designed for individuals who rent out the property. Since the tenant doesn’t own the property
 How Much is covered with umbrella insurance?
5 min
Topping Up Your Home and Auto Coverage with Liability Insurance What is Umbrella Insurance? Umbrella insurance is a type of liability insurance that covers your personal liability on top of the