Skip to main content
alert icon
Fraud Alert: Scammers may impersonate companies over the phone, pressuring you to act urgently or ask for sensitive info. If unsure, contact BCAA directly at bcaa.com/contact or learn more at bcaa.com/onlinesafety  

Insurance for Renters & Homeowners​

BC-based insurance that's there when you need it

Save your wallet and home from taking a hit when you choose protection made for life in BC. BCAA offers comprehensive insurance for tenants and homeowners with customizable coverage limits and options, so you can build a policy that fits your needs.

Save 5% in the first year, if you buy online. Plus, save up to an additional 20% as a BCAA Member. Not a Member? Sign up when you get your quote.

buy icon Buy renew icon Renew claim icon Claim
Get A Quote

Homeowners

Get comprehensive protection that can be customized to you and your home’s needs.​

Learn More
GET A QUOTE

Renters

From $20/month get protection for your belongings, temporary relocations, and liability.​

Learn More
GET A QUOTE

Condo or Townhouse

Protect your building when your strata can’t. Plus, get coverage for personal belongings, liability and extra living expenses.​

Learn More
GET A QUOTE

We also offer insurance for Landlords, Vacation Properties and Mobile Homes. You’ll need to call us to get a quote.

Why Choose BCAA Home Insurance

BC Based
BC Based

Our trusted advisors, call center and 24/7 emergency response teams are based in British Columbia, which means we’re easy to reach when you need us. ​

Trusted Experts
Straightforward & Trusted Advice​

We’ll ask the right questions to shape a policy tailored to your unique living situation. Quote and buy online, via phone or in-person at our BCAA Service Locations across the province. Expert advisor support is available on your channel of choice.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20%. Plus, you can reduce your premium with our claims-free discount, bundling options and more.​

Saving the Day
When It Goes Wrong, We Make It Right

Have peace of mind that you are covered in the event of a claim knowing that BCAA paid out over 95% of claims related to fire, water, weather and theft *.

sprout icon
Purpose-Led​

Through our Defending Against Wildfires program, BCAA is helping to protect communities across BC through wildfire preparedness and resilience initiatives.

Stay FireSmart™ and save on your home insurance

BCAA and FireSmart BC are working together to help more communities in British Columbia protect themselves from wildfire. ​

Those in eligible areas can complete a FREE Wildfire Mitigation Program property assessment to receive a list of actions that will reduce your home's wildfire risk. Receive exclusive savings on BCAA Home Insurance, upon completion of a home assessment. Learn More

FAQs

Homeowners and tenants in British Columbia are not legally required to have insurance. That said, mortgage lenders typically require home insurance as a condition of financing, and landlords may require tenants to carry renters insurance under their tenancy agreement. Even when it’s not mandatory, insurance helps protect your home, belongings, and personal liability.
You can start a BCAA Home Insurance claim 24/7, either online or by phone by calling 1.888.268.2222. Have your policy number and details of the loss on hand. Once your claim is submitted, an adjuster will review it and contact you with next steps.
It’s a good idea to review your coverage at least once a year when you receive your renewal, or more frequently if there’s a major change to your home or life, such as moving, renovating, purchasing valuable items, or changes to your household. You can review your coverage and make changes with a BCAA Home Insurance advisor by calling us at 1.888.268.2222 or by visiting your local BCAA Service Location.

Still have more questions? Head to our Home Insurance FAQ page below or contact us - we're here to help!

Home FAQs Contact Us 

 

 

Scott’s Claim Experience

"35,000 people were evacuated and BCAA called me back in an hour. That was pretty impressive. It immediately started the claim on a very pleasant, empathetic foot"

READ MORE
*From 2022 to 2023, BCAA paid out over 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results.