No ESI data
Skip to main content

Compare and purchase the best
home insurance rates in British Columbia.

Get free & accurate quotes from Canada’s top home insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top home 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
Sewer Backup, Overland/Ground Water
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.

Broad Coverage
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
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Claims Forgiveness
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Deductible
Deductible
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Comprehensive Insurance Coverage
Comprehensive Insurance Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Liability Coverage
Liability Coverage

Provides protection against a lawsuit resulting from damaged property or personal injuries.

Scheduled Items
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.

Comparing rates from Canada's leading Insurance Providers

Our Reviews

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

Prince Edward Island

$1,145

See how our customers save big on home insurance

At Surex, we’re dedicated to helping you find the right insurance for the best price. We do all the heavy lifting for you, so you can be sure you’re getting the lowest possible rate. Check out how we’ve helped these British Columbia homeowners save on home insurance.

Customer

City

Type

Average Rate

Lowest Rate

Savings

Yin

Richmond

Detached

$4,946

$4,193

$753

Valerie

Abbotsford

Townhouse

$1,579

$869

$710

Renee

Cranbrook

Detached

$3,721

$3,141

$726

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 +

+

Speak to a Dedicated Advisor

Denae P.

Licensed Insurance Advisor

Insurance Broker
How you can save money on home insurance?

Home insurance has many factors when calculating the rates.  Plus, every home insurance company underwriters risk differently, so that is why getting to compare quotes is important. Here are a few things to keep in mind:

Advisor
Increase your deductile

Increase your deductible

This is the amount you pay towards an insurance claim, so by offering to pay a higher percentage of a future claim, your insurance company will decrease the cost of your premium. But, keep in mind you will be paying more out-of-pocket when, and if, you ever file a claim.

Bundle your insurance

Bundling always helps you save, whether it's your phone, tv, or internet! So, if you have a car, or any other insurable item, think about going with the same insurance company, who will most likely reward you with a discount!

Shop around

Always compare home insurance quotes to see what all your options are on similar policies. No two policies are the same, so comparing will let you choose what's right for you.

How it works
How it works

Get a personalized quote in minutes! We’ll help you compare multiple offers from Canada’s top insurers. Your dedicated advisor is here to help every step of the way.

Why Surex?
Why Surex?

Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.

Our Advisors
Our Advisors

We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.

Surex Insurance Tips & Advice
Compare home insurance rates now!
Start an insurance quote now