Western Coast Insurance · Central Saanich, Saanichton
Our Central Saanich and Saanichton broker is your neighbourhood insurance partner in the heart of the Saanich Peninsula. We help residents of Saanichton, Brentwood Bay, Island View and the surrounding rural areas with car insurance, ICBC renewals, home and farm insurance, and business insurance.
7860 Wallace Dr #201 · Saanichton, 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.
Central Saanich Broker Location Details
Your Western Coast team in Central Saanich. 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 Saanichton team.
“I have come here for years and am always happy with the service.. i drive a bit further just to come here. Rajiv is my go to he is SO knowledgable and kind and gets you in and out! Thanks guys!”
“I had a wonderful experience at this office. The agent, Jacob Hilderman, really knows what he’s doing. He was polite, knowledgeable and was patient with me. Instead of overwhelming me with all the policies and deals they offer, he took the time to listen to my concerns and made the transaction very satisfactory. I definitely plan to visit this branch in the future.”
“Great, fast service. Been coming here the past 10 Years and counting!”
Part of your community
Central Saanich and Saanichton are known for their strong agricultural roots, coastal lifestyle and close-knit community. From Brentwood Bay and Island View to rural farmland and residential neighbourhoods, we’re proud to support customers throughout the Peninsula.
Whether you’re a long-time homeowner, commuting into Victoria, working in local agriculture or running a small business on the Peninsula, your coverage should fit your life. A waterfront home in Brentwood Bay, a family home in Saanichton and an acreage with barns and a workshop each need very different insurance coverages.
Your insurance should reflect your home, vehicle, business and how you actually use them. Our 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 Central Saanich broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Central Saanich customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insuring a home, a vehicle, a farm or a business on the Saanich Peninsula? Our local brokers compare options from multiple insurers, so you’re not relying on a single provider.
Commuting along Highway 17, driving Stelly’s Cross Road or heading to Victoria, Sidney or the airport? Renew your ICBC insurance with us, Monday to Saturday with Fridays until 6:00 p.m., and review collision, comprehensive and higher liability limits.
From single-family homes in Saanichton to waterfront properties near Brentwood Bay and rural acreage homes, we’ll help you protect your property, belongings and outbuildings, with rebuild values and water and earthquake options in mind.
Own a townhome in Saanichton or rent a suite on the Peninsula? Your strata or landlord only insures the building. Condo and tenant insurance protects your belongings, improvements and personal liability.
For the Peninsula’s agricultural community, we offer farm insurance to protect farmland, barns, equipment, livestock and outbuildings. Retail, hospitality and professional services businesses can access liability, property and operations coverage too.
Moored in Brentwood Bay or towing a trailer to the water? Tell us how you use and store your boat, RV or motorcycle so your coverage keeps up with the season.
Flying out of Victoria International Airport or sailing from Swartz Bay? Compare TuGo travel insurance with our Central Saanich brokers before you go.
Your local ICBC Autoplan broker
Start online and choose Central Saanich on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Wallace Drive office in Saanichton, 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 working farms and rural outbuildings to coastal areas and earthquake risk, our Saanichton 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 Peninsula farms do more than grow crops. They sell at the gate, host visitors or run a market stand. A standard home policy usually isn’t designed for farm buildings, equipment, livestock or customers on your land. Farm insurance can bring your home, barns, machinery and farm liability together under one plan.
If customers visit my farm stand, is my farm liability coverage enough?
The District of Central Saanich places its east side in Tsunami Zone D and its west side in Zone E, and notes that a major earthquake off Vancouver Island is the greatest risk. Low-lying homes near Brentwood Bay, Saanichton Bay and Island View should know how their policy treats earthquake and water damage.
Would my policy cover damage from flooding caused by a tsunami, or only by an earthquake endorsement?
Many Central Saanich homes include outbuildings, workshops or secondary structures, which makes it especially important that your policy reflects the full replacement cost of your property. Homes near agricultural drainage systems or older infrastructure can also benefit from added coverage for water-related risks.
Are my workshop, barn and the tools inside covered at their full replacement value?
We usually recommend earthquake coverage on the Saanich Peninsula because of Vancouver Island’s seismic risk. It isn’t included in a standard BC home insurance policy, but it can usually be added. Your broker can help you understand what it would protect and how the deductible works.
What would earthquake coverage protect for my home and outbuildings, and what would I pay first?
For household preparedness information, visit the District of Central Saanich’s tsunami information.
Your local broker, your questions
Insuring a farm, an acreage or a home by the water? Here are a few questions Central Saanich customers often ask.
Our Central Saanich brokers can help with ICBC renewals and optional car insurance, home, condo and tenant insurance, farm insurance, business insurance, life and travel insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
Our Saanichton broker at 7860 Wallace Drive is open Monday to Thursday and Saturday from 9:00 a.m. to 5:00 p.m., and until 6:00 p.m. on Fridays.
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 Peninsula 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.
Central Saanich has a mix of rural roads, residential neighbourhoods, agricultural traffic and commuter routes such as Highway 17 and Stelly’s Cross Road. Drivers regularly share the road with farm vehicles, cyclists and commuters, so many add collision, comprehensive and higher third-party liability limits for extra protection.
If you raise livestock, grow crops for sale, run a farm stand or keep farm equipment, a standard home policy may not cover it. Farm insurance is built for farm buildings, machinery, livestock and farm liability, and it can include your house. Tell us how the land is used and we’ll help you find the right fit.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. We usually recommend earthquake coverage on the Saanich Peninsula because of Vancouver Island’s seismic risk.
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.
According to the District of Central Saanich, the east side of the municipality is in Tsunami Zone D and the west side is in Zone E. The District and the CRD offer interactive tsunami maps so you can check your address. Our brokers can then help you review how your policy treats earthquake and water damage.
Look for dwelling coverage at full replacement cost, personal property coverage for belongings in the home and outbuildings, personal liability and additional living expenses. Sewer backup, overland water and earthquake coverage are key considerations on the Peninsula, especially near low-lying land or drainage areas.
We’ll ask about the year your home was built, renovations, construction materials, roof age, square footage and heating. We may also ask about monitored alarms, sump pumps, backwater valves and upgrades to plumbing or electrical systems, which can help us find savings, as well as your past claims.
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 on the Peninsula or in Greater Victoria? These Western Coast brokers can also help with ICBC, home and business insurance.
Sidney, BC
2297 Beacon Ave, Sidney1-844-802-7623View Sidney brokerVictoria, BC
777 Royal Oak Dr, Victoria1-844-802-7605View Broadmead brokerVictoria, BC
3750 Shelbourne St, Victoria1-844-802-7622View Shelbourne brokerYour Central Saanich 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.
