Western Coast Insurance · Tillicum, Victoria
Our broker near Tillicum Centre is your neighbourhood insurance partner in central Victoria. Our brokers help residents of the Gorge Tillicum area, Burnside, Victoria West, Esquimalt and View Royal with car insurance, ICBC renewals, home and tenant insurance, and business insurance.
3170 Tillicum Rd #169 · Victoria, BC
Advice, Coverage, and ongoing support
We explain what’s covered, what isn’t and where your limits are, in plain language, so you know what your policy actually protects.
We’ll walk you through your plan, including what you may need to pay out of pocket if you make a claim.
We compare coverage, limits and pricing across multiple insurers to help you find an option that fits your needs and budget.
We look for areas where you may not have enough protection, so you can address them before you need to make a claim.
Buying a home, renovating, adding a driver or starting a business? We’ll help make sure your coverage keeps up as things change.
We’re here to help you understand your coverage and guide you through the next steps.
Tillicum Broker Location Details
Your Western Coast team in the Tillicum area. Find our contact details, hours and location below.
People helping people
Sometimes the best way to get to know a broker is to hear from their customers. See what people have to say about working with our Tillicum team.
“Manpreet was extremely helpful in renewing my ICBC auto insurance. She made the process quick and easy, explaining everything clearly. Great service!”
“Best place in town to get your renewal.”
“I love this branch, they’ve been so helpful. Nathan helped us today, even answered my 8 year old sons questions.”
Part of your community
Tillicum is known for its central location, diverse neighbourhoods and close connection to parks, schools and the Gorge Waterway. Our broker near Tillicum Centre serves the Gorge Tillicum area, Burnside, Victoria West, Esquimalt, View Royal and surrounding neighbourhoods, for all your insurance needs.
Whether you’re a long-time homeowner near the Gorge, renting a condo close to Uptown, crossing the Tillicum Bridge each day or running a business in the core, your insurance needs will vary. From Pearkes Recreation Centre to the local shops and walking trails, Tillicum residents and business owners have unique needs.
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 Tillicum broker →Part of Western Financial Group
Western Coast Insurance Services has been part of Western Financial Group since 2013. That means our Tillicum customers get local BC insurance advice, with the resources of a national insurance brokerage.
Coverage for the life you’re building
Insuring a car, a rental, a character home or a business near Tillicum? Our local brokers compare options from multiple insurers to help you find the right insurance at the right price.
Renew your ICBC insurance next to Tillicum Centre, Monday to Saturday. Driving the Gorge and Burnside corridors or heading downtown? We’ll review optional car insurance such as collision, comprehensive and extended liability for how you drive.
From character homes in Victoria West and along the Gorge to newer townhomes near Uptown, your home’s age, location, and build shape your insurance. We’ll review rebuilding limits, sewer backup and earthquake options, and more to help you save while staying fully covered.
Renting near Uptown or own a condo by Tillicum Centre? Tenant and condo insurance protect your belongings and personal liability, which your landlord’s or strata’s policy doesn’t. We’ll find coverage that fits your budget.
From retail and hospitality at Tillicum and Uptown to trades and professional services, local businesses face different risks. We’ll review liability, commercial property and operations coverage built around your business.
Paddling the Gorge or heading out on a road trip? Let us know how you use and store your boat, RV or motorcycle so your coverage keeps up with the season.
Visiting family abroad or planning a trip away from Victoria? Ask our Tillicum brokers to compare TuGo travel insurance for your destination and trip length.
Your local ICBC Autoplan broker
Start online and choose Tillicum on the request form. A broker will call to help complete your renewal. Prefer to talk in person? Visit our Tillicum Road office by Tillicum Centre, or call us to plan your next step.
Submitting a request does not activate or extend coverage.
Local questions worth asking
Where you live can make a difference to your insurance. From older homes and heavy rain to earthquake risk, our Tillicum 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.
Many homes in Victoria West and along the Gorge were built decades ago, and insurers often ask about the age of the roof, the type of plumbing and the electrical system. Updates and good maintenance can widen your options and help when it’s time to renew. Your broker can help you understand what an insurer will want to know before you apply.
What should I tell an insurer about my older home, and which updates make the biggest difference?
The City of Victoria notes that heavy rain can flood neighbourhoods in and around Victoria. When storm drains and older sewer lines are overwhelmed, water can back up into basements. Sewer backup usually needs to be added to a home policy, and backwater valves can help reduce the risk. Your broker can help you check what your policy includes.
Is sewer backup included in my policy, and what would I pay if my basement flooded?
The City of Victoria estimates a one-in-three chance of a damaging earthquake in the next 50 years, and neighbourhoods around Tillicum share that risk. Earthquake damage isn’t generally included in a standard BC home insurance policy, but coverage may be available as an add-on. Your broker can explain what it would protect and how the deductible works.
What would earthquake coverage add for my home or condo, and how is the deductible set?
Retail, food service and trades businesses around Tillicum Centre and Uptown see a lot of customers coming and going. Liability for slips and falls, damage to your premises and time lost after a covered loss are all worth reviewing. Your broker can help you build a business policy around your lease, staff and day-to-day operations.
Does my business policy cover a customer injury on my premises and lost income after a covered loss?
For household preparedness information, visit the City of Victoria’s guide to hazards in and around Victoria.
Your local broker, your questions
Renewing ICBC, renting near Uptown or insuring an older home? Here are a few questions Tillicum customers often ask.
Our Tillicum brokers can help with ICBC renewals and optional car insurance, home and condo insurance, tenant insurance, business insurance and other personal insurance needs. The options available will depend on the insurer, what you’re insuring and your individual circumstances.
You can renew at our broker at 3170 Tillicum Rd #169, beside Tillicum Centre. We’re open Monday to Saturday from 9:00 a.m. to 5:00 p.m., and our brokers can review optional coverage at the same time.
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 Victoria 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.
Third-party liability protects you if you’re responsible for injuring someone or damaging their property. Basic Autoplan includes $200,000 of it, which can also help with non-vehicle property damage, driving out of province, and situations where the law allows the other driver to sue. Many drivers add extended third-party liability for higher limits.
Your landlord’s policy covers the building, not your belongings or your personal liability. Tenant insurance can help replace your things after a fire, theft or certain types of water damage, cover extra living costs if you have to move out temporarily, and protect you if you accidentally damage the unit or someone is hurt. Some landlords require it in the lease.
Not always. Sewer backup coverage often has to be added to a home policy as an endorsement, and it may come with its own deductible or limit. Homes with older drainage are more exposed, and devices like backwater valves can help reduce the risk. Ask your broker to confirm what your policy includes.
No. Standard home insurance in BC does not include earthquake coverage, but it can usually be added as an endorsement. The City of Victoria estimates a one-in-three chance of a damaging earthquake in the next 50 years, 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. We help retail, hospitality, trades and professional service businesses review liability, commercial property, business interruption and equipment coverage. Tell us about your premises, lease requirements and what you do, and we’ll help you compare options.
Often, yes. Depending on the insurer, combining policies such as home, condo or tenant insurance with optional car insurance may help you save and keeps your renewals in one place. Our brokers can compare bundled and separate options for you.
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
Live or work elsewhere in Greater Victoria? These Western Coast brokers can also help with ICBC, home and business insurance.
Victoria, BC
1497 Admirals Rd Unit 103B, Victoria1-844-802-7601View Admirals Walk brokerVictoria, BC
29 Helmcken Rd #110, Victoria1-844-802-7611View Eagle Creek brokerVictoria, BC
1150 Douglas St, Victoria1-844-802-7603View Bay Centre brokerYour Tillicum insurance team
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.
