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Home Insurance

Whether you live in an apartment, a condominium, or a home of any size, property insurance provides you with financial protection for the things you have worked hard to obtain, and peace of mind for you and your family.

We offer the following home insurance coverage:

  • Homeowner
  • Tenant 
  • Condo
  • Revenue property 
  • Seasonal residence 
  • Scheduled articles (e.g., jewellery, art, bicycles and photography equipment)

 

Residential

Residential Insurance

We are true insurance brokers, which means we will shop for your home insurance amongst our various companies to find you the best rates. We can provide policies which will cover a wide range of needs, which include standard homes, high value homes, tenants, condominiums, farms, seasonal homes, and rented dwellings or condos.

Some of the Insurance features we can provide for you include:

  • Guaranteed replacement cost coverage on the dwelling building
  • Replacement cost coverage on contents
  • Comprehensive or “all risk” coverage
  • Various deductibles ranging from $200 to $10,000
  • Earthquake coverage with deductibles ranging from 5% to 15% of your policy limit
  • Sewer back-up and water escape coverage 
  • Personal liability ranging from $1,000,000 to $5,000,000
  • Loss of use coverage
  • Scheduled articles (e.g., jewellery, bicycles, and photography equipment)

 

Condo

Condo Insurance

Because a condo complex consists of multiple owners and dwellings, owning a condo may pose risks a regular homeowner may not have. Our underwriters understand those risks and have Comprehensive Condo policies which are tailored to meet your needs.

Our condo policies include:

  • Replacement cost coverage on contents
  • Comprehensive or “all risk” coverage
  • Various deductibles ranging from $200 to $10,000
  • Earthquake coverage with deductibles ranging from 5% to 15% of your policy limit
  • Sewer back-up and water escape coverage 
  • Personal liability ranging from $1,000,000 to $5,000,000
  • Improvements and betterments coverage
  • Loss assessment coverage
  • Strata deductible assessment coverage
  • Loss of use coverage
  • Scheduled articles (e.g., jewellery, bicycles, and photography equipment)

Tenant

Tenant Insurance

Whether you are moving into your first apartment, renting a house, or even moving into a retirement home, we have a policy for you. As a renter, it is important to have insurance for various reasons, most notably liability coverage to make sure you are covered in the event of a law suit. It’s also important to have adequate contents coverage in the event of loss or damage to your own personal property.

Some of the features of we can provide for you are:

  • Replacement cost coverage on contents
  • Comprehensive or “all risk” coverage
  • Various deductibles ranging from $200 to $10,000
  • Earthquake coverage with deductibles ranging from 5% to 15% of your policy limit
  • Sewer back-up and water escape coverage 
  • Personal liability ranging from $1,000,000 to $5,000,000
  • Loss of use coverage
  • Scheduled articles (e.g., jewellery, bicycles, and photography equipment)

Seasonal Residence

Seasonal Residence Insurance

British Columbia has some of the most beautiful recreational properties in the world. From lake side cottages, to ski cabins, every seasonal property should be insured. We recognize that seasonal properties are diverse – some cabins have no power, heat, or water and some are million dollar homes; regardless of your situation, we can provide the coverage that fits your unique property.