Skip to main content
alert icon

Have you been affected by BC Wildfires? Learn More ›

Homeowners Insurance

Protect your most important investment.

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.

Key Features

Fire and Smoke
Fire and Smoke

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

Bad Weather
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.

Crime and Vandalism
Crime and Vandalism

Your favourite possessions 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

Protect yourself anywhere in the world. 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.

Specialty Items
Specialty Items

Provides protection for important personal items like jewellery, watches, bikes, computers and cameras. Some items are subject to special limits of coverage like bikes, up to $2,000.

Bylaw Upgrades
Building Bylaw Coverage

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

Additional Living Expenses
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. 

Additional Features

Roof Guard
Extended Water Coverages : RoofGuard, DrainGuard, Flood

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.

Learn More
Earthquake Coverage
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 its contents.

Learn More
service line rider
Service Line Rider

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

How Can You Save with BCAA?

Become a BCAA Member

BCAA Members always save 10%, on any home insurance policy.

Loyalty Savings Bonus

Save 1% for every year you’ve had your home insurance with BCAA (up to an additional 10%).

Combine Home & Car

BCAA Members also save up to $40 when they combine their Home and Car Insurance.

Deductible Options

A deductible is the amount you need to pay in the event of a claim. Increase the deductible and you'll save even more on your policy.

Home Safety Systems

Having fire sprinklers, automatic water, shut off, intrusion alarms and other home safety systems can help you qualify for extra savings.

Remain Claims-Free 

Your claims history can also play a part in lowering your premium. The longer you’ve been claims free, the more you’ll likely save.

Why Choose BCAA Home Insurance?

 

BC Based
BC Based

We know BC. Using our local knowledge and 40 years of experience as a province-wide home insurer, we understand the unique needs of British Columbians.

Trusted Experts
Trusted Experts

Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

Ways To Save
Valuable Ways to Save

Save up to 20% on your home insurance with us. You'll save when you remain claims free, the longer you've held a policy with us and BCAA Members save an additional 10%.

Award Winning
Award Winning Home Insurance

Trusted service is what we are known for and what we continue to win awards for year after year. 

Saving the Day
Saving the Day

Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.

Members Get More

Save over $1,000 per year on BCAA Insurance, BCAA Auto Service Centres, Evo Car Share and at over 100,000 partner locations worldwide. Plus, we’ve got you covered with the Best Roadside Assistance. Not a Member? Join today.

You get a lot with a BCAA Membership

Join Now