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Home Insurance Implication

What you need to know

After legalization on October 17, 2018, BC Law will allow the growth of up to four cannabis plants per household, but landlords and strata councils will be able to restrict or prohibit home cultivation. Growing cannabis could affect your home insurance eligibility and coverage; check with your agent to ensure you have the coverage you need and are aware of any exclusions that may apply.

Did you know? Most Home Insurance providers in Canada currently don’t cover any losses where the property is used for cannabis activities, regardless of whether the loss is related to cannabis activities.

On October 17, 2018, BCAA will introduce a permission clause which will allow uninsured cannabis growing under you BCAA Home Insurance policy. With this change, all losses related to cannabis activities will continue to not be covered however, if your property is used for cannabis growth in compliance with the legislation (i.e. up to four plants), losses unrelated to cannabis growing will be covered subject to the standard policy terms and conditions.


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If you have any specific concerns about your Home Insurance coverage now that cannabis is legal, let us know in the form below.

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