Your local insurance
broker in Cloverdale

Our Cloverdale 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.

Optional coverage such as collision, comprehensive, extended third-party liability and loss of use can be purchased through ICBC or through a broker like Western Coast. Because many Cloverdale households drive family vehicles, SUVs and pickup trucks, collision, comprehensive and extended liability are common add-on choices here.

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 Cloverdale drivers add optional coverage such as extended third-party liability, collision and comprehensive. Our brokers can help you review which options fit how you actually drive.

Yes. ICBC offers distance-based discounts if you drive under 15,000 km or under 5,000 km a year. Keeping a clean record, raising your deductible and comparing optional coverage between ICBC and private insurers can help too.

If you keep horses or livestock, sell produce or eggs, or use farm equipment on your land, a standard home policy probably doesn't cover all your risks. Hobby farm and farm insurance covers outbuildings, equipment, animals and farm liability, and some policies include your house. Tell us how you use your property (even if it's a small hobby farm) and we’ll compare the options.

It pays to rebuild your home as it was, even if the cost goes over your policy limit, as long as you meet the insurer’s conditions, such as keeping your coverage up to date after renovations. It’s popular in Cloverdale, where homes are often larger and rebuild costs higher.

Cloverdale’s town centre drains to the Nicomekl River, and part of Surrey’s lowlands is floodplain. Dykes and pump stations have significantly reduced flooding, but heavy rain and older drainage can still cause water damage. Sewer backup and overland water coverage are likely worth adding.

No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Metro Vancouver shares the region’s earthquake risk, 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.

Be ready with the age of your home, construction materials and major systems, square footage and layout, upgrades to plumbing, electrical or roofing, safety systems such as alarms or sump pumps, and your claims history, including any past fire or water damage.

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.