Your local insurance
broker in Sunshine Hills, Surrey

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

We’re at 6350 120 Street, Unit 100. We’re open Monday from 9:00 a.m. to 5:00 p.m., Tuesday to Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 4:00 p.m.

Yes. Many Sunshine Hills customers renew by phone. Call us before your renewal date, and we’ll review your coverage, make any changes and send your documents. You can also start online and choose Sunshine Hills on the request form.

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 Sunshine Hills 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.

Busy commuter corridors like Highway 91, Nordel Way and Scott Road, along with hillside residential streets, lead many drivers to add collision, comprehensive and extended liability. Optional coverage can be bought through ICBC or through a broker who compares private insurers.

Homes in Sunshine Hills tend to be older and often have higher rebuild costs than newer subdivisions. Many residents choose guaranteed replacement cost so the home can be fully rebuilt even if construction prices rise, as long as the insurer’s conditions are met.

Your home’s age and renovation history, how close it is to creeks, slopes or wooded areas, the condition of drainage and plumbing, roof age and type, and local claims trends for storms and water damage can all play a part, alongside province-wide weather losses.

No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. North Delta 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.

Yes. For properties near Panorama Ridge, the Delta farmlands or South Surrey, we can protect farm buildings, equipment, vehicles and livestock. Tell us how you use the land so we can compare suitable farm and acreage options.

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.