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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 insurance quotes in Kelowna
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Our Reviews
I highly recommend Anchal as an insurance broker. She is extremely professional, knowledgeable, and reliable. What truly sets her apart is that she is always available and genuinely cares about the people she works with.
She takes the time to understand individual needs, explains everything clearly, and makes sure you feel confident in your decisions. With Anchal, you never feel like just another client — you feel supported and well advised.
It is rare to find someone so dedicated, responsive, and truly committed to helping others.
Patti my insurance broker is always fast to respond and very easy to deal with. I have trust in Patti due to her excellent customer service over the years.
Veronique Abbott Is the Insurance Advisor that helped me with my motorcycle insurance. I was very impressed by the timeliness and ease of setting up the insurance with her. I then realized I needed to change the effective date and she did this after hours before a holiday weekend. Outstanding service that I greatly appreciated. Thank you
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Kelowna is the largest city in British Columbia’s Okanagan Valley. It is a smaller city but boasts all the amenities of big city living; it has a rural yet urban feel. Kelowna is surrounded by a range of mountains and pristine lakes and plays host to many visitors each year who come down to explore the miles of beautiful parkland and sandy beaches. The Okanagan is known for its great wines and vineyards and has a growing food scene. The weather in Kelowna is some of the best in Canada, not as cold or humid conditions as other provinces can experience.
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 affordable homeowners insurance from the top Canadian home insurance companies to protect the place they live, raise a family and keep their belongings. These are all things that a high-quality, affordable home insurance policy can cover and we can help with that. Teaming up with a reputable insurance brokerage, like Surex, makes it easy to get insurance online and over the phone.
Home Insurance in Kelowna - What You Need to Know
A licensed insurance advisor can offer online insurance quotes for your home in Kelowna. If you contact the insurance broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
Home insurance in Kelowna 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 is not legally required if you’ve paid your house in full, but it is required if you need to secure a mortgage. A bank will not lend you money if you do not have homeowners insurance to protect your one most valuable asset.
The types of home insurance coverage are:
Basic or Named Perils: This is a more economical coverage option that covers your home, contents, and property for perils that are specifically named in your policy.
Broad home insurance: This is seen as the middle ground coverage between comprehensive and basic. It covers your home against all risks (minus exclusions) and coverage for your contents against any named risks.
Comprehensive home insurance: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy).
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 affordable 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 company will depend on every customer’s unique situation. Every company has 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 with the best insurance broker who 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 cheapest home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. Comparing quotes with the best insurance broker will allow you to get the best insurance coverage from a reputable provider.
You can contact your assigned Surex insurance broker/advisor or contact the top Canadian insurance companies directly. Make sure you have your policy # and details of the claim prepare when you call.
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Surex insurance tips & advice
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
