Western Coast Insurance · Broadmead, Victoria
At Victoria’s Western Coast Insurance branch in Broadmead, we help you find the right coverage for your car, home and business, including ICBC renewals. Our local brokers serve Broadmead, Royal Oak, Cordova Bay, Elk Lake and the surrounding Saanich area.
777 Royal Oak Dr · Victoria, 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.
Broadmead Broker Location Details
Your Western Coast team in Broadmead. 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 Broadmead team.
“Sau Leong at the Broadmead branch was very helpful and knowledgeable. Renewing my insurance was quick, effective and easy. Thanks Sau and stay awesome!”
“I saw Sau Leong yesterday for a basic insurance transaction. From the moment we walked in she stood out as friendly and helpful. As a person who runs a service based business I truly appreciate the welcoming, positive and professional attitude Sau provided to us. In my experience it’s rare. Thanks Sau.”
“Friendly and fast service, over the phone and by email! Thanks Sau!”
Part of your community
Our Broadmead branch is your neighbourhood insurance partner in one of Victoria’s most established, family-friendly communities. Located near Broadmead Village, we serve residents of Broadmead, Royal Oak, Cordova Bay, Elk Lake and the surrounding areas.
Whether you’re a long-time homeowner, a commuter heading into downtown Victoria or a business owner in Saanich, your insurance should fit the way you live. A larger family home near Elk Lake has different considerations from a townhome or condo in Royal Oak, and regular travel along the Pat Bay Highway can shape how you think about your car insurance.
Your insurance should reflect your local home, vehicle, business and how you actually use them. Our brokers can help you look at what makes sense for you rather than taking a one-size-fits-all approach.
Contact your Broadmead broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Broadmead 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 Broadmead or Saanich? Our local brokers compare options from multiple insurers, so you’re not relying on a single provider.
Renew your ICBC insurance at our Royal Oak Drive branch, Monday to Saturday. Commuting along the Pat Bay Highway or into downtown Victoria? We’ll review optional car insurance such as collision, comprehensive and extended liability for how you actually drive.
From larger single-family homes in Broadmead and Cordova Bay to townhomes in Royal Oak, your home’s size, age and rebuild value shape your insurance. We’ll review rebuilding limits plus water and earthquake options.
Own a townhome or condo in Royal Oak? Your strata insurance covers the building, but not your belongings, upgrades or personal liability. We’ll help you fill those gaps.
From Broadmead Village shops to contractors and professional offices across Saanich, local businesses face different risks. We’ll review liability, commercial property and professional coverage that fits how you work.
Heading out on the water off Cordova Bay or touring Vancouver Island? Let us know how and where you store your boat, RV or motorcycle so your coverage matches the season.
Heading south for the winter or flying out of Victoria International Airport? 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 Broadmead on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Royal Oak Drive office near Broadmead Village, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Where you live makes a difference to your insurance. From creeks and wooded areas to earthquake risk and higher rebuild costs, our Broadmead 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.
Many Broadmead homes sit near parks, creeks or wooded areas, and heavy rain can put pressure on drainage around your property. Not every home insurance policy covers every type of water damage, so double-check how your policy responds to things like overland water and sewer backup, and what deductible you would pay.
Which types of water damage does my policy cover, and which would I need to add?
The District of Saanich has many areas where wilderness and urban development meet. If your home backs onto parkland or trees, wildfire is a risk worth discussing with your broker. Home insurance generally includes protection against fire, including wildfire, but it’s still important to know whether you have enough coverage to rebuild and what help is available with living expenses if you have to leave home.
If I had to evacuate because of a wildfire, what living expenses would my policy help with?
Vancouver Island’s seismic risk is one reason earthquake coverage is often recommended for Broadmead homes. It isn’t generally included in a standard BC home insurance policy, but it can usually be added. Your broker can help you understand what it would protect, how the deductible works and whether it makes sense for your home.
How would an earthquake deductible be calculated for my home?
Broadmead homes are often larger and higher in value, so insurers pay close attention to rebuild costs, roof condition, plumbing type and overall maintenance. Your coverage should reflect what it would cost to rebuild today, not your home’s market value. Your broker can help you check that your limits keep up with renovations and changing construction costs.
Is my rebuilding limit still high enough for my home today?
For household preparedness information, visit the District of Saanich’s wildfire protection guide.
Your local broker, your questions
Planning a visit, moving to Broadmead or looking for help with your next policy? Here are a few things you might want to know.
Our Broadmead brokers can help with ICBC renewals and optional car insurance, home insurance, condo insurance, tenant insurance, business insurance, boat insurance and other personal insurance needs. The coverage 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 Broadmead 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.
Many Broadmead drivers choose optional car insurance for broader protection. You can buy it through ICBC or private insurers, and it can include collision, comprehensive, extended third-party liability, loss of use, rental vehicle coverage and new vehicle protection. We can help you compare options available across Greater Victoria.
Broadmead generally sees less congestion than downtown, but regular travel along Highway 17 and other main corridors can still affect driving risk and pricing. Your rate also depends on your driving history, vehicle type, commuting distance and the optional coverage you choose.
Usually not fully. A standard home policy may offer only limited protection for business equipment, inventory and liability. If you run a business from your Broadmead home, our brokers can help you look at adding coverage or setting up a separate business policy that fits what you do.
Standard home insurance policies typically cover fire, wind, vandalism, theft and certain types of water damage. More comprehensive policies can offer broader protection depending on the insurer and the options you choose.
For Broadmead homes, we often suggest looking at optional earthquake, sewer backup and overland water coverage, as these are usually excluded unless you add them.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Because of Vancouver Island’s seismic risk, we recommend reviewing it 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.
Premiums vary with your home’s age, construction type, rebuild value, location, claims history and optional coverage. Larger custom homes with higher rebuild values may see higher premiums, while updated homes with modern roofing, plumbing and electrical systems may benefit from more favourable rates.
We’ll 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, safety features like monitored alarms or sump pumps, and your claims history.
Because Broadmead homes are often larger and higher in value, insurers pay close attention to rebuild costs 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 Greater Victoria or on the Saanich Peninsula? These Western Coast branches can also help with ICBC, home and business insurance.
Victoria, BC
3750 Shelbourne St, Victoria1-844-802-7622View Shelbourne branchVictoria, BC
3170 Tillicum Rd #169, Victoria1-844-802-7627View Tillicum branchSaanichton, BC
7860 Wallace Dr #201, Saanichton1-844-802-7608View Central Saanich branchYour Broadmead 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.
