Western Coast Insurance Services

Comprehensive Home Insurance Coverage for British Columbia Homeowners

Your home is one of the biggest investments you’ll ever make. Whether you own a house, condo, mobile home, or rent an apartment, home insurance in British Columbia ensures that your home, belongings, and liability are protected from unexpected disasters. At Western Coast Insurance, we provide tailored home insurance solutions designed to safeguard what matters most to you.

With increasing risks such as wildfires, floods, and severe weather events in British Columbia, it’s crucial to have a policy that fully protects your home from the unexpected. Our experienced insurance advisors work with you to find a customized home insurance policy that suits your lifestyle, property, and budget.

What Does Home Insurance Cover?

A comprehensive British Columbia home insurance policy from Western Coast Insurance protects against:

Dwelling Protection – Covers the cost to repair or rebuild your home due to fire, theft, vandalism, and severe weather.
Detached Structures – Protects garages, sheds, and fences from covered perils.
Personal Belongings – Ensures your furniture, clothing, electronics, and valuables are covered for damage, theft, or loss.
Liability Coverage – Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Additional Living Expenses – Covers temporary housing and daily expenses if your home becomes unlivable due to a covered loss.

Types of Home Insurance in British Columbia

Homeowners Insurance

Homeowners insurance in British Columbia protects your primary residence against risks like fire, theft, and weather-related damage. Our policies include:

Guaranteed Replacement Cost Coverage – Ensures your home is rebuilt at current market costs, even if prices increase.
Sewer Backup & Overland Water Coverage – Additional protection against floods and water damage.
Earthquake Insurance – Essential in regions prone to seismic activity, covering repairs and rebuilds.

Condo Insurance

A BC condo insurance policy covers:

Your personal belongings inside your unit.
Improvements & betterments such as upgraded flooring or countertops.
Loss assessment coverage for shared property damages in the condo building.
Strata deductibles – Ensuring you're protected from large out-of-pocket expenses if your strata policy doesn’t cover a claim.

Tenant & Renters Insurance

Even if you don’t own your home, renters insurance in British Columbia protects your personal belongings and liability risks. Coverage includes:

Protection for furniture, electronics, and valuables from theft, fire, and water damage.
Liability insurance in case someone gets injured in your rental unit.
Additional living expenses if your rental becomes unlivable.

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Home Insurance in British Columbia - Protect Your Home with Western Coast Insurance

Comprehensive Home Insurance Coverage for British Columbia Homeowners

What Does Home Insurance Cover?

Types of Home Insurance in British Columbia

Homeowners Insurance

Condo Insurance

Tenant & Renters Insurance

How can I save money on my policy?

Are you eligible? Find out below

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.

Contact us for a quote