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 10-year-old couch will be replaced with a brand new one of similar make and quality.
• Monthly or bi-weekly payment plans available.

Next level Western Coast insurance coverage

What is available?

• 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 coverage, 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 expense coverage to cover these extra costs for a longer period of time 
• We also have additional insurance protection against overland water.

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.

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.

Contact us for a quote

• Hollyburn Properties - Email Me
• Devon Properties - Email Me

*Subject to policy terms & conditions