Your local insurance
broker in Sidney

Our Sidney brokers can help with ICBC renewals and optional car insurance, home, condo and tenant insurance, boat insurance, business insurance, life and travel insurance. The options available will depend on the insurer, what you’re insuring and your individual circumstances.

Yes. Many of our customers renew by phone, or you can start online and choose Sidney on the request form, and a broker will call you. You can also visit us at 2297 Beacon Avenue, Monday to Saturday from 9:00 a.m. to 5:00 p.m.

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 Sidney 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.

If you make a third-party liability claim against the person responsible for a crash and they don’t have enough insurance to pay it, Underinsured Motorist Protection (UMP) covers you. Basic UMP covers you and members of your household for claims of up to $1 million per insured person.

It depends on your policy. Damage from wind-driven storms is often covered, but overland water and sewer backup are usually optional add-ons, and some coastal flooding may not be covered at all. The Town of Sidney’s sea level rise maps can help you understand your property, and we can explain what your policy includes.

Some home policies include limited coverage for small boats, but it usually isn’t enough for a larger vessel or for liability on the water. Marine insurance can cover your boat, motor, trailer and equipment, plus liability, with options based on where and how you use it.

Condo insurance covers your belongings, upgrades you’ve made to your unit, personal liability and extra living costs if you need to move out during repairs. It can also help pay your share of the strata’s deductible if a claim starts in your unit.

No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Earthquake coverage is worth considering across the Saanich Peninsula, for houses and condos alike.

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.

Your BC provincial health plan pays only a small part of medical costs outside Canada, so emergency medical travel insurance is strongly recommended, even for a short trip across the border. Our Sidney brokers can help you compare TuGo travel insurance for your destination and trip length.

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.