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Compare and purchase the best
home insurance rates in Kelowna.
Compare and purchase
the best home insurance
rates in Kelowna.
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.
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.
Comparing rates from Canada's leading Insurance Providers
Type of Coverage We Provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
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.)

Home Insurance in Kelowna - What You Need to Know

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

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.

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.

The two types of home insurance are:

  • Broad home insurance: perils like water, lightning, hail, windstorm, fire, smoke, explosion, falling objects, vandalism, theft, and impact to vehicles or aircraft. 
  • Comprehensive home insurance: this is the most comprehensive level of home insurance in Canada. This includes coverage for all perils with broad insurance in addition to unintentional damage and disappearance of home contents. 

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.

Top parks in Kelowna
  1. Mission Creek Regional Park
  2. Ben Lee Park
  3. Kelowna City Park
Top Sites in Kelowna
  1. Big White Ski Resort
  2. Mission Hill Family Estate Winery
  3. Summerhill Pyramid Winery
Top Restaurants in Kelowna
  1. Waterfront Wines Restaurant
  2. Salt & Brick
  3. Bouchons Bistro

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