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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. Plus, BCAA Members save up to 20%†.
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Key Features

Fire and Smoke
Fire and Smoke

Security for your home and belongings if they are damaged or destroyed in a fire. Plus, an enhanced on-the-ground program that may reduce the damage to your home if it’s threatened by a wildfire.

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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. Certain items are subject to special limits of coverage.​

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Extra Bylaws 

 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.

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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.

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How Can You Save with BCAA?

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Become a BCAA Member

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

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Loyalty Savings Bonus

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

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Combine Home & Car

Members save up to $40 when you bundle home and optional car insurance, plus receive free tire protection†

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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.

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Home Safety Systems

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

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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

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 *.

Members Get More

Save over $1,500 per year on BCAA Insurance, BCAA Auto Service Centres, Evo Car Share and at hundreds of your favourite brands worldwide. Plus, we’ve got you covered with the Best Roadside Assistance. Not a Member? Join today.

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Become a BCAA Member today.

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BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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*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.
†BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans.