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Homeowners Insurance

As your local insurance provider, we understand every home and neighbourhood in BC is different. That's why our expert advisors take the time to get to know you and your most important investment better. We work with you to understand your insurance coverage needs and build the best customized policy to match your home. Plus, BCAA Members can save up to 20%.

Key Features

Fire and Smoke
Fire and Smoke

Security for your home and belongings if they are damaged or destroyed in a fire.

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Bad Weather

Major weather events are becoming more frequent, more severe and less predictable. Get covered for damage from wind storms and find out if you’re eligible for Flood coverage.

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Crime and Vandalism

Your favourite belongings are in your home. Make sure you're covered if anything is damaged or taken from your home due to theft.

Personal Liability
Personal Liability

Personal liability provides coverage for accidental damage or injury you cause anywhere in the world.

Water Damage
Water Damage

You're covered for things like if a pipe bursts under your sink, or if water suddenly escapes your washing machine destroying your hardwood floors.

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Specialty Items

Provides protection for important personal items like jewellery, watches, bikes, computers and cameras. Personal property items like these are subject to a category and combined limit of your choosing.

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 If you suffer damage to an older home, we provide coverage in case you have to rebuild to current by-law standards.

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Additional Living Expenses

When you’re out of your home due to a claim, your extra expenses are covered. We have options to increase your limit to fit your unique needs. 

Optional Extras

Roof Guard
Extended Water Coverages 

Protect your home from damage caused by external drains, water that enters your home through an opening in the roof, around windows and skylights, overflow of fresh water and accumulation of surface water.

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Earthquake Coverage

With over 1,200 earthquakes every year in BC, whether it's a tremor or when the big one hits, you'll want to protect your home and your belongings.

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Underground Line and Pipe Coverage

Coverage for direct damage to underground service lines on your property in the event they leak or break.

Short Term Rental Coverage

Renting your home can be a great way to generate some extra income from your property, but it’s important to be aware of the risks and ensure you have adequate coverage.

BCAA, in association with CAA, was ranked the #1 Most Trusted Insurance Brand in Canada by the 2022 Gustavson Brand Trust Index.
*From 2019 to 2020, BCAA paid out on average 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results. Home Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by BCAA Insurance Corporation.