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British Columbia Home Insurance

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

Bundle Your Home & Auto To Save up to 25%!

Home insurance = peace of mind 

As one of the most beautiful provinces in Canada, British Columbia is truly the last wild country, or the last frontiers, in North America giving people a true wilderness experience and is one of the top tourist spots in the country. Outdoor activities are a way of life here with hiking, camping and hunting as the most popular. With a population of just over 5 million, most of the residents reside in the capital city of Victoria, or Vancouver, leaving an abundance of natural spaces open. The province has an ample number of natural resources and its most lucrative industries are agriculture, fishing and mining and is seeing a  growing economy with job opportunities in construction, manufacturing, film and education. The top 5 cities to live in BC are Vancouver, Victoria, Whistler, Tofino, and Penticton!

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 homeowners insurance 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.

Comparing rates from Canada’s leading Home insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
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.
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

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 British Columbia, 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.

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 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.

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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Talk to Real People

Insurance Broker
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)

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: 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 advisor to go over your options and what you need to properly protect your home.

Flood coverage: 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 few years, the insurance industry has made some drastic changes to flood coverage and adding their own version of flood coverage to their policies - so check with your advisor to see what coverage you might need to protect your home.

Pipes Freezing: 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 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.

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