With home insurance, you’re prepared for the unknown. Our Western Coast experts will serve you the security you need for your home — and contents — in the event of fire,
theft, vandalism or weather-related damage.
Looking to protect what matters most? We are experienced and committed to serving you the right protection for your home — rental, condos, seasonal cottage or strata etc.
Our experts also have specialty home products. Ask your Western Coast advisor today to learn more.
Let's start with Home insurance
What does it include?
You’re getting a comprehensive, all-risk, home insurance policy with coverage for your building and any detached structures on your property.
Your policy starts at $2 million in liability protection if you’re ever found liable for damages to another person/property — options exist to increase this to $3 million.
You’re getting guaranteed replacement cost on your home. If you’ve provided all the accurate details about your home (ie. square footage, year built), and the cost to rebuild
after an insured loss is higher than what you’re protected for, you’ll be covered for the full cost of the rebuild.
Our home insurance coverage works on a replacement cost basis for contents, “new for old.” In the event of a loss, your 20-year-old couch will be replaced with a brand new one
of similar make and quality.
Earthquake coverage for your region? At Western Coast, we’ve innovated our own solution to a market wide issue of substantial deductibles — often 10 per cent of the building
value. With our buydown and a small premium increase, that number can drop to 5 or 2 per cent.
Often associated with business insurance, Western Coast offers equipment breakdown coverage on household appliances (washing machines, dryers, fridges, freezers, dishwashers etc).
Buy up your additional living expense, useful in the event you're displaced from your home after an insured loss. Following these unforeseen events, costs rise (hotel stays, eating in
restaurants). With Western Coast, you can buy your additional living coverage to cover these extra costs for a longer period of time
We also have additional insurance protection against overland water.
How can I save money on my policy?
Are you eligible? Find out below
Our experts provide home insurance discounts if you have a monitored alarm. If you’re a mature citizen (starting at 45) or you’re mortgage and/or claims free opportunities exist
for you to save. Additionally, if your home is new (up to 10 years old) or is between 11 and 20 years, inquire about discounts.
Are you a member of block or neighbourhood watch? You could save on your home policy.
Tenant insurance partners
Western Coast offers discounted tenant insurance to residents of Hollyburn Properties, Devon Properties and Reliance Properties in BC with premiums starting as low as $15/ month.
Western Coast Insurance Services Ltd. 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.