Compare and purchase the best home insurance rates in British Columbia.
Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
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.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Recent home quotes for British Columbia
Comparing rates from Canada's leading Insurance Providers
Our Reviews
Patti was an absolute pleasure to work with! My husband and I were getting ready to put an offer on our new home and needed to secure insurance before we could comfortably move forward. We quickly learned just how fast things move in the real estate world, especially while juggling two kids and busy work schedules!
Patti walked us through everything step by step and even gave us the gentle nudges we needed to stay on top of forms and deadlines. She was incredibly patient, kind, professional, and had such a great sense of humour throughout the entire process.
In such an AI-driven world, it felt especially meaningful to have a genuine human connection while navigating such a big milestone for our family. Patti truly is the epitome of professionalism and such a positive representation of your company.
Thank you so much, Patti, for making the insurance side of purchasing our new home feel easy and personal. We genuinely appreciate you!
Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela
British Columbia home insurance rates vs. other provinces
British Columbia has fairly average insurance rates, when you compare them with other provinces. However, the price of owning a home in BC is much higher, so if you can save on your insurance why not? Start a free quote with us now to find out how much you could save!
Province |
Average Rates |
|---|---|
British Columbia |
$2,389 |
Ontario |
$1,797 |
Alberta |
$2,304 |
Newfoundland & Labrador |
$2,513 |
Manitoba |
$1,335 |
Northwest Territories |
$3,367 |
Nunavut |
$3,516 |
Saskatchewan |
$1,873 |
Nova Scotia |
$2,788 |
New Brunswick |
$2,402 |
Yukon |
$1,830 |
Home Insurance FAQs
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.
Compare 10+ quotes and
speak to a dedicated advisor
Underwriting Specialist
