Western Coast Insurance · Aulds Road, Nanaimo
Our Aulds Road branch is your neighbourhood insurance partner in Vancouver Island’s Harbour City. Whether you live in Departure Bay, commute from north Nanaimo or run a business downtown, our local brokers help with car insurance, ICBC renewals, home insurance and business insurance.
6581 Aulds Rd #300 · Nanaimo, BC
Advice, Coverage, and ongoing support
We explain what’s covered, what isn’t and where your limits are, in plain language, so you know what your policy actually protects.
We’ll walk you through your plan, including what you may need to pay out of pocket if you make a claim.
We compare coverage, limits and pricing across multiple insurers to help you find an option that fits your needs and budget.
We look for areas where you may not have enough protection, so you can address them before you need to make a claim.
Buying a home, renovating, adding a driver or starting a business? We’ll help make sure your coverage keeps up as things change.
We’re here to help you understand your coverage and guide you through the next steps.
Aulds Road Broker Location Details
Your Western Coast team in north Nanaimo. Find our contact details, hours and location below.
People helping people
Sometimes the best way to get to know a broker is to hear from their customers. See what people have to say about working with our Aulds Road team.
“I called today to Nanaimo Branch Aulds Rd to renew our home insurance and spoke to Read. I received amazing customer service and she was very patient and kind over the phone, answered all my questions and made my renewal easy. Thank you Read and congratulations Western Coast Insurance for having such a wonderful agent on staff.”
“Have dealt with this office for years and it’s always great service whether in person or over the phone.”
“Always polite and always helpful.”
Part of your community
From Departure Bay and Hammond Bay to South Nanaimo, Cedar and the downtown waterfront, our Aulds Road branch supports customers from every corner of Nanaimo and the surrounding communities.
Nanaimo is known for its coastal lifestyle, outdoor recreation and welcoming neighbourhoods. A waterfront home near Departure Bay has different insurance considerations from a townhouse in north Nanaimo or a condo in the downtown core. At the same time, where you drive, whether it's the Island Highway, Hammond Bay Road or Bowen Road, will shape how you think about your car insurance.
Your insurance should reflect your local home, vehicle, business and how you actually use them. Our Western Coast Insurance brokers can help you take a personalized look at what makes sense for you rather than taking a one-size-fits-all approach.
Contact your Aulds Road broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Aulds Road customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insuring a vehicle, home, condo or business in Nanaimo? Our Aulds Road brokers compare options from multiple insurers to find the right coverage at the best price.
Renew your ICBC insurance at our Aulds Road branch, Monday to Saturday. Whether you drive daily through Nanaimo, commute to Duncan or explore the Island, we’ll review optional car insurance such as collision, comprehensive and extended liability.
From waterfront homes near Departure Bay to family houses in Hammond Bay and townhouses in north Nanaimo, your home’s age and location shape your insurance. We’ll review rebuilding limits plus water and earthquake options.
Own a condo in the downtown core or rent in north Nanaimo? Your strata or landlord’s policy doesn’t cover your belongings or personal liability. We’ll explain what you need to know to stay fully covered.
From local retailers and contractors to professional services and growing companies across Nanaimo, different businesses face different risks. Let's review liability, commercial property and operations coverage that fits how you work.
Heading out from Departure Bay or touring Vancouver Island? Tell us how you use and store your boat, RV or motorcycle, including seasonal use and added equipment.
Heading off-Island for a holiday or spending part of the winter down south? Compare travel insurance through Western Coast and TuGo based on your destination, trip length and eligibility.
Your local ICBC Autoplan broker
Start online and choose Aulds Road on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Aulds Road office in north Nanaimo, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Where you live can make a difference to your insurance. From atmospheric rivers and windstorms to earthquake risk, our Aulds Road brokers with Western Coast Insurance Services can help you understand what your policy covers, what it doesn’t and whether there are additional options worth considering.
The City of Nanaimo notes that atmospheric rivers are growing larger and their heavy rains are lasting longer, and some residents may see flooding at their property. Not every home insurance policy covers every type of water damage, so it’s worth understanding how your policy responds to overland water and sewer backup, and what deductible you would pay.
If heavy rain flooded my basement, what would my policy cover? How does my deductible work?
It's no surprise that windstorms and extreme weather are among the natural hazards the City of Nanaimo names for this region. Home insurance generally covers wind damage, but it’s worth knowing how your policy handles a tree coming down on your roof or fence, and what deductible would apply.
If a tree fell on my house in a windstorm, how would my insurance respond?
The City of Nanaimo calls out earthquakes as one of the most serious regional hazards here. Earthquake damage isn’t included in a standard BC home insurance policy, but coverage may be available as an add-on. Your broker can help you understand what it would protect, how the deductible works and whether it makes sense for your home.
What would earthquake coverage add to my policy, and what would my deductible be?
Nanaimo has a mix of older homes and newer developments, and for older properties insurers often pay close attention to plumbing materials, electrical systems, roof condition and overall maintenance. Regular upkeep and renovations can make a real difference to your options. Your broker can help you understand what an insurer will ask.
Will updating my roof, wiring or plumbing change my home insurance?
For household preparedness information, visit the City of Nanaimo’s emergency management information.
Your local broker, your questions
Planning a visit, moving to Nanaimo or looking for help with your next policy? Here are a few things you might want to know.
Our Aulds Road brokers can help with ICBC renewals and optional car insurance, home and condo insurance, tenant insurance, business insurance, farm insurance and other personal insurance needs. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
ICBC Basic Autoplan is mandatory for every vehicle registered in BC. It includes $200,000 in third-party liability coverage, Enhanced Accident Benefits for injury care and recovery, Underinsured Motorist Protection of up to $1 million per insured person, and inverse liability where local laws don’t let you claim against the other driver. Many Nanaimo drivers add optional coverage such as extended third-party liability, collision and comprehensive. Our brokers can help you review which options fit how you drive.
Drivers in Nanaimo can buy optional car insurance through ICBC or private insurers to customize their policy for how and where they drive. Options may include collision, comprehensive, extended third-party liability, loss of use or rental vehicle coverage, and new or replacement vehicle protection.
Your premium depends on your driving history, vehicle type and value, how far you drive each year and the optional coverage you choose. Regular travel along routes such as the Island Highway, Hammond Bay Road and Bowen Road can also play a part.
No. Driving without valid insurance anywhere in British Columbia, including Nanaimo, is illegal. Drivers caught without insurance typically face a $598 fine, and additional penalties may apply if you can’t produce insurance documents or your licence plate decals are missing or expired.
Standard home insurance policies typically cover fire, wind, vandalism, theft and certain types of water damage. More comprehensive policies may offer broader protection depending on the insurer and options you choose.
Most standard BC policies exclude earthquakes unless you buy coverage separately, flooding from outside unless overland water coverage is added, sewer backup unless it’s included as an endorsement, and damage from wear and tear or aging infrastructure.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. The City of Nanaimo calls an earthquake one of the most serious regional hazards, so it’s worth reviewing with your broker.
Earthquake coverage typically includes dwelling coverage to repair or rebuild your home, personal property coverage for belongings like electronics and furniture, and loss-of-use coverage for additional living expenses while your home is repaired.
Earthquake deductibles are often a percentage of your coverage limit rather than a fixed amount, so ask us to show you the dollar figure.
Home insurance costs in Nanaimo are influenced by broader provincial risks such as severe weather, flooding, windstorms and wildfire. Even when major events happen elsewhere in BC, they can affect insurance pricing across all regions, including Vancouver Island. Comparing quotes from multiple insurers can help make sure your coverage reflects your home’s rebuild cost, local risks and budget.
Insurers typically ask about the year your home was built and any renovations, construction type and materials, square footage and roof type, plumbing, wiring and heating systems, safety features such as monitored alarms or sump pumps, and your claims history.
For older homes in Nanaimo, insurers often pay close attention to plumbing materials, electrical systems, roof condition and overall maintenance.
Yes. Western Coast Insurance Services is part of Western Financial Group. Western Coast serves customers in British Columbia while benefiting from the broader nationwide resources of Western Financial Group.
Need claims help? Find Western Coast’s claims reporting information →
More local brokers
Spending time elsewhere in Nanaimo or the Cowichan Valley? These Western Coast branches can also help with ICBC, home and business insurance.
Nanaimo, BC
648 Terminal Ave #105, Nanaimo1-844-802-7619View Port Place branchDuncan, BC
2749 Beverly St Unit B, Duncan1-844-802-7604View Beverly Corners branchMill Bay, BC
2734a Barry Rd, Mill Bay1-844-802-7617View Mill Bay branchYour Aulds Road insurance team
Have a question or ready to get started? Choose your insurance product online, or call our local team for help with your next step.
Your broker will confirm your coverage and when it starts.
Insurance is subject to insurer eligibility, terms, limits, conditions and exclusions. Policy wording determines coverage.
Western Coast Insurance Services is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.
