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Landlord Insurance

Protect your investment property.

With BCAA, you can fully protect your investment and rent your property with confidence. BCAA provides insurance coverage for rental properties, whether it's a house, condo or townhome in BC. Being a landlord isn’t always easy, but our expert advisors will build the best, customized coverage to match your needs because we know you have enough to worry about.
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Plan Benefits​

The unexpected can happen — whether it’s caused by you, or a neighbour. If there’s a fire, theft, burst pipe or a tap left running, save your wallet from taking a hit with BCAA.

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.

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.

Personal Liability
Liability

Coverage for legal fees that stem from accidental damage or injury to tenants or guests at your rental property.

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Personal Property Protection

In the event of accidental damage, protect your contents, such as appliances and furniture you have provided for the rental property.

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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.

Optional Coverages​

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Rental Income Protection

If your tenant must move out due to a covered loss, Rental income protection provides coverage for the lost rental payments.

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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Short Term Rental Coverage

Renting to short term occupants can be a great way to generate some 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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Adjust Your Deductible​

A deductible is the amount you need to pay in the event of a claim. Increase the deductible to save 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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Save up to 20% when you’re claims free

Your claims history can play a part in lowering your premium. When you share your claims history during your quote, we'll calculate any savings you may be eligible for.

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Updated Home Features

Updated home features such as hot water tanks or plumbing, may allow for further discounts on eligible homes.

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Additional Discounts

Eligible customers who purchase landlord insurance with BCAA can receive an additional discount on their primary residence.

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 *.

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Purpose-Led

BCAA is committed to protecting our province and its people, through community initiatives like improving our wildfire resilience with FireSmart BC.

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Switch your rental policy to BCAA 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.