Car insurance & ICBC
Renew your ICBC insurance on Chatham Street, Monday to Saturday with Fridays until 6:00 p.m., or by phone and email. Commuting to Vancouver or driving locally near Garry Point Park? We’ll review your optional coverage.
Western Coast Insurance · Steveston, Richmond
Your local insurance
broker in Steveston
Our Steveston broker on Chatham Street is your neighbourhood insurance partner in one of Richmond’s most historic and scenic communities. We help residents of Steveston Village, Seafair, Broadmoor, Shellmont and the surrounding neighbourhoods with car insurance, ICBC renewals, home and boat insurance, and business insurance.
3960 Chatham St #100 · Richmond, BC
Advice, Coverage, and ongoing support
How your Steveston 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.
Steveston Broker Location Details
Broker information
Your Western Coast team in Steveston, Richmond. Find our contact details, hours and location below.
Steveston, Richmond, British Columbia
- Contact your Steveston broker
- 1-844-802-7625
[email protected] - Visit us
- 3960 Chatham St #100
Richmond, BC V7E 2Z5 - Hours · Pacific Time
- Monday–Thursday: 9:00 a.m.–5:00 p.m.
Friday: 9:00 a.m.–6:00 p.m.
Saturday: 9:00 a.m.–5:00 p.m.
3960 Chatham St #100Richmond, British Columbia
Open map ↗People helping people
What Steveston customers say
Sometimes the best way to get to know a broker is to hear from their customers. See what Richmond people have to say about working with our Steveston broker team.
My go-to for car insurance
“Western Coast Insurance and Sherry are awesome, Sherry is my go to person when I have car insurance needs or questions. She was professional, knowledgeable and incredibly helpful. I could not be happier with the exceptional service she provided.”
Four years, all by email
“Songting and the staff are so incredibly helpful & efficient. I’ve been getting my car insurance through them for the last 4 years and all done via email. Highly recommend.”
A fast phone renewal
“I did an ICBC car renewal over the phone with Kelly. It was easy and fast, all helped by Kelly’s experience and knowledge on how to execute this relatively new avenue of renewal. I will probably keep using this process of renewal going forward and I will want to do it with her or her colleagues.”
Part of your community
Brokers who live
and give back here.
Steveston is known for its rich fishing history, waterfront charm and strong community spirit. From Steveston Harbour and Garry Point Park to local schools, shops and family-friendly neighbourhoods, we’re proud to support customers throughout the area.
Whether you’re a long-time homeowner near the waterfront, raising a family in Seafair, commuting across Richmond or running a business along Moncton Street, your coverage should fit your life. A character home in the village, a boat at the harbour and a shop on Moncton Street each need their own attention.
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 Steveston broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Steveston 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 Steveston
Insuring a waterfront home, a boat, a car or a village business? Our Steveston brokers compare options from multiple insurers, so you’re not relying on a single provider.
Home insurance
From single-family homes in Steveston Village and Seafair to townhomes across Richmond, we’ll help protect your property, belongings and liability, with flood, sewer backup and earthquake options in mind.
Condo & tenant insurance
Own a condo near the village or rent in Steveston? Condo and tenant insurance can protect your belongings, upgrades and personal liability and fill any gaps.
Business insurance
Steveston businesses, including retail, hospitality, marine-related services and professional offices, can access insurance designed to protect their operations and assets.
Boat, RV & motorcycle
Moored at Steveston Harbour or heading out from the Fraser’s south arm? Marine insurance can cover your boat, motor, equipment and liability on the water. We help you find the best coverage.
Travel insurance
Planning a trip from nearby YVR or an Alaska cruise? Compare TuGo travel insurance with our Steveston brokers before you leave.
Your local ICBC Autoplan broker
Renew your ICBC insurance
with our Steveston team.
Start online and choose Steveston on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Chatham Street office, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Steveston risks to review with your broker
Where you live can make a difference to your insurance. From the dikes along the Fraser to boats at the harbour, village businesses and earthquake risk, our Steveston 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.
Waterfront Homes and King Tides
Steveston sits at the mouth of the Fraser, and the City of Richmond says sea level rise increases flood risks posed by tides and coastal storm surges. Homes near the waterfront should know how their policy handles overland water and sewer backup.
Ask your Steveston broker
Review home coverage Would my policy cover water damage during a King Tide or winter storm surge? How does my deductible work?
Boats at Steveston Harbour
A boat at the dock faces storms, theft and liability risks of its own, and a home policy usually offers only limited coverage. Marine insurance can protect your vessel, motor, trailer and equipment, plus liability, based on where and how you use it.
Ask your Steveston broker
Explore boat insurance Is my boat covered at the dock and when I head out past the river mouth?
Village Shops and Restaurants
Businesses along Moncton Street depend on visitors, foot traffic and seasonal tourism. Commercial property, liability and business interruption coverage can help protect your shop, café or marine service through busy summers and quieter winters.
Ask your Steveston broker
Explore business insurance Would business interruption coverage help if a covered loss closed my shop in peak season?
Earthquake Coverage
Steveston shares Richmond’s and Metro Vancouver’s earthquake risk. Earthquake damage isn’t included in a standard BC home policy, but coverage can usually be added. Your broker can explain what it would protect and how the percentage deductible works in dollars.
Ask your Steveston broker
Explore earthquake protection How much would my earthquake deductible be in dollars?
For household preparedness information, visit the City of Richmond’s flood protection information.
Your local broker, your questions
Insurance FAQs for Steveston
Renewing by email, keeping a boat at the harbour or running a village shop? Here are a few questions Steveston customers often ask.
What types of insurance can I get at Western Coast’s Steveston broker?
Our Steveston 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.
Can I renew my car insurance by phone or email in Steveston?
Yes. Many Steveston customers renew by phone or email. Contact us before your renewal date and we’ll review your coverage and send your documents. You can also visit us at 3960 Chatham Street, Monday to Saturday from 9:00 a.m. to 5:00 p.m., and until 6:00 p.m. on Fridays.
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 Steveston 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.
Do you pay a deductible if you’re not at fault in a crash in Steveston?
Under ICBC’s Enhanced Care system, Basic Vehicle Damage Coverage pays for repairs to your own vehicle to the extent you’re not responsible for the crash.
If you are responsible, your optional collision coverage applies and you pay the deductible you chose. If the other driver is uninsured or can’t be identified, such as in a hit and run, a deductible may apply depending on your optional coverage.
Does my home insurance cover my boat?
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.
Is Steveston at risk of flooding?
Richmond sits about 1 metre above sea level and is protected by dikes and pump stations, and the City says sea level rise increases risks from King Tides and storm surges. If you live near the waterfront, ask us about overland water and sewer backup coverage.
Is earthquake insurance included with home insurance in Steveston?
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. Steveston shares Richmond’s and 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.
What business insurance does a Steveston shop or restaurant need?
Most start with commercial general liability and property coverage for equipment, inventory and improvements. Depending on what you do, you may also want business interruption, food spoilage or marine-related coverage.
Do character homes in Steveston Village need special coverage?
Older homes can cost more to rebuild with matching materials and to today’s building codes. Ask about guaranteed replacement cost and bylaw coverage, which helps pay for upgrades required when you rebuild. Tell us about updates to plumbing, wiring and the roof, as they can affect your options.
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 Steveston
Spending time elsewhere in Richmond or Metro Vancouver? These Western Coast brokers can also help with ICBC, home and business insurance.
Richmond Centre
Richmond, BC
6253 No. 3 Rd, Richmond1-844-802-7620View Richmond Centre brokerCambie
Richmond, BC
11911 Cambie Rd, Richmond1-844-802-7607View Cambie brokerSunshine Hills
Surrey, BC
6350 120 St Unit 100, Surrey1-844-802-7626View Sunshine Hills brokerYour Steveston insurance team
Talk to a Steveston 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.