Car insurance & ICBC
Renew your ICBC insurance on 152 Street from 8:30 a.m., Monday to Saturday. Commuting on Highway 99 or heading for the border? We’ll review collision, comprehensive and higher liability limits for how you drive.
Western Coast Insurance · Semiahmoo, South Surrey
Your local insurance
broker in Semiahmoo
Our Semiahmoo broker on 152 Street is your neighbourhood insurance partner in South Surrey. We help residents of Semiahmoo, Sunnyside, White Rock, Crescent Beach, Morgan Crossing and nearby neighbourhoods with car insurance, ICBC renewals, home and condo insurance, and business insurance.
1688 152nd St Suite 105 · Surrey, BC
Advice, Coverage, and ongoing support
How your Semiahmoo broker helps
Understand your coverage
We explain what’s covered, what isn’t and where your limits are, in plain language, so you know what your policy actually protects.
Review limits and deductibles
We’ll walk you through your plan, including what you may need to pay out of pocket if you make a claim.
Compare insurance options
We compare coverage, limits and pricing across multiple insurers to help you find an option that fits your needs and budget.
Spot gaps in coverage
We look for areas where you may not have enough protection, so you can address them before you need to make a claim.
Keep your insurance up to date
Buying a home, renovating, adding a driver or starting a business? We’ll help make sure your coverage keeps up as things change.
Get help with a claim
We’re here to help you understand your coverage and guide you through the next steps.
Semiahmoo Broker Location Details
Broker information
Your Western Coast team in Semiahmoo. Find our contact details, hours and location below.
Semiahmoo, Surrey, British Columbia
- Contact your Semiahmoo broker
- 1-844-802-7621
[email protected] - Visit us
- 1688 152nd St Suite 105
Surrey, BC V4A 4N2 - Hours · Pacific Time
- Monday–Friday: 8:30 a.m.–5:00 p.m.
Saturday: 8:30 a.m.–4:00 p.m.
1688 152nd St Suite 105South Surrey, British Columbia
Open map ↗People helping people
What Semiahmoo customers say
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 Semiahmoo team.
Found ways to save
“Excellent service! Ashif is very knowledgeable, answered all our questions, and went above and beyond to help us. He also found ways to save us money, which we truly appreciate. We highly recommend Ashif.”
A condo policy, explained
“Excellent service from Esha Punni today to renew our condo policy. She was very knowledgeable and explained our policy contents clearly and easily.”
Renewed by phone
“Esha was quick and helpful with getting my insurance renewed over the phone.”
Part of your community
Brokers who live
and give back here.
The Semiahmoo area is known for its coastal lifestyle, parks and strong sense of community. From Peace Arch Park and Crescent Beach to schools, recreation centres, and local shops, we’re proud to support customers in South Surrey and White Rock.
Whether you’re a long-time homeowner near the waterfront, raising a family in South Surrey, downsizing to a condo near White Rock or running a business near the Peace Arch, your coverage needs to fit your life. A beachside home in Crescent Beach and a condo by Semiahmoo Town Centre 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 Semiahmoo broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Semiahmoo customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insurance we offer in Semiahmoo
Insuring a waterfront home, a condo, a car or a business in South Surrey? Our Semiahmoo brokers compare options from multiple insurers, so you’re not relying on a single provider.
Home insurance
From family homes in Semiahmoo and Sunnyside to waterfront properties in Crescent Beach, we’ll help protect your home, belongings and liability, with coastal water and earthquake options in mind.
Condo & tenant insurance
Own a condo near White Rock or Semiahmoo Town Centre? We’ll explain what your strata covers, then add coverage to protect your belongings, upgrades, liability and share of a strata deductible.
Business insurance
Local businesses across retail, professional services, hospitality and trades can access insurance that protects property, operations and day-to-day risks.
Boat, RV & motorcycle
Keeping a boat near Crescent Beach or White Rock, or riding south for the weekend? Share how and where you use it, and we’ll find coverage that fits.
Travel insurance
With the Peace Arch border crossing minutes away, quick trips south are part of life here. Compare TuGo travel insurance with our Semiahmoo brokers before you go.
Your local ICBC Autoplan broker
Renew your ICBC insurance
with our Semiahmoo team.
Start online and choose Semiahmoo on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our 152 Street office, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Semiahmoo risks to review with your broker
Where you live can make a difference to your insurance. From coastal flooding and border crossings to strata living and earthquake risk, our Semiahmoo brokers with Western Coast Insurance Services can help you understand what your policy covers, what it doesn’t and whether extra options are worth considering.
Coastal Flooding and Rising Seas
The City of Surrey's coastal floodplain, including Crescent Beach and Mud Bay, is subject to both coastal and river flooding. Waterfront homes should know how their policy treats overland water, storm surge and sewer backup.
Ask your Semiahmoo broker
Review home coverage Is overland or coastal flood coverage available for my home?
Driving Across the Border
Quick trips across the Peace Arch crossing are common in South Surrey. Your ICBC coverage applies when you drive in the US, but liability claims there can be much larger than in BC. Many drivers raise their third-party liability limit and add travel medical insurance before heading south.
Ask your Semiahmoo broker
Car insurance & ICBC details Is my liability limit high enough for driving in the US?
Condo Living Near White Rock
Many Semiahmoo customers live in condos near White Rock and Semiahmoo Town Centre. Your strata’s policy covers the building, but not your belongings, upgrades or personal liability, and you could owe part of the strata deductible after a claim. Your broker can walk you through each part of your policy.
Ask your Semiahmoo broker
Review condo insurance How much strata deductible coverage do I need, and what does my strata policy already cover?
Earthquake Coverage
An earthquake could damage both your own unit and the building’s common property. For condo owners, that can mean a large strata deductible shared among owners, on top of repairs inside your unit. Earthquake protection, including strata deductible coverage for earthquakes, is usually an optional add-on.
Ask your Semiahmoo broker
Explore earthquake protection If the strata charged me part of an earthquake deductible, would my condo policy help pay it?
For household preparedness information, visit the City of Surrey’s coastal flood adaptation projects.
Your local broker, your questions
Insurance FAQs for Semiahmoo
Living by the water, renewing a condo policy or heading across the border? Here are a few questions Semiahmoo customers often ask.
What types of insurance can I get at Western Coast’s Semiahmoo broker?
Our Semiahmoo brokers can help with ICBC renewals and optional car insurance, home, condo and tenant insurance, business insurance, life and travel insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
What are the Semiahmoo broker’s hours?
We’re at 1688 152nd Street, Suite 105. We open at 8:30 a.m. six days a week: Monday to Friday until 5:00 p.m., and Saturday until 4:00 p.m. You can also renew by phone.
What does ICBC Basic Autoplan include?
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 South Surrey 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.
Am I covered when I drive my car in the US?
Yes. ICBC coverage applies when you drive in Canada and the US. Because liability claims in the US can be much larger, many South Surrey drivers raise their third-party liability limit. Travel medical insurance is also worth having, as provincial health coverage pays only a small part of US medical costs.
Can I renew my home or condo policy over the phone?
Yes. Many Semiahmoo customers renew their car, home and condo policies by phone. We’ll walk you through what’s changed, explain your coverage and send your documents by email. If you’d rather come in, we open at 8:30 a.m. Monday to Saturday.
What does my condo insurance cover that my strata doesn’t?
The strata policy covers the building and common property. Your condo policy covers your belongings, improvements to your unit, personal liability, extra living costs if you need to move out during repairs, and your share of a strata deductible if a claim starts in your unit.
Is my home in Surrey’s coastal floodplain?
Surrey’s coastal floodplain makes up about 20% of the city’s land area and includes neighbourhoods such as Crescent Beach. The City is upgrading dykes and drainage as it plans for sea level rise. If you live near the water, ask us about overland water and sewer backup coverage.
Is earthquake insurance included with home insurance in South Surrey?
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. South Surrey shares Metro Vancouver’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.
Can I get life insurance through the Semiahmoo broker?
Yes. We offer life insurance options designed to support your family and help you plan for the future. Ask our Semiahmoo team about the options available and what you’d need to apply.
Is Western Coast Insurance part of Western Financial Group?
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
Western Coast brokers near Semiahmoo
Spending time elsewhere in Surrey or Delta? These Western Coast brokers can also help with ICBC, home and business insurance.
Grandview Corners
Surrey, BC
16011 24th Ave, Surrey1-844-802-7614View Grandview Corners brokerCloverdale
Surrey, BC
17730 10 Hwy Unit B, Surrey1-844-802-7610View Cloverdale brokerSunshine Hills
Surrey, BC
6350 120 St Unit 100, Surrey1-844-802-7626View Sunshine Hills brokerYour Semiahmoo insurance team
Talk to a Semiahmoo broker or get a quote online.
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.