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BCAA Renters Insurance

Protect your belongings and wallet from just $20/month.

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 Renters Insurance. Protect your personal belongings and have coverage for additional living expenses if you need to move out due to a mishap. Unexpected accidents are protected with personal liability coverage too.

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

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Plan Benefits​

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Personal Property Coverage​

Your personal belongings cost more than you think. Personal property coverage will help you replace things like electronics, furniture and clothes if they are damaged in an event like a fire or stolen during a break-in.

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Temporary Living Costs Coverage​

You might be required to temporarily move out of your place due to an evacuation order or an event like a building fire. We’ll cover extra expenses you incur while you’re away from home like accommodations, storage and travel.​

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Personal Liability
Personal Liability for Accidents​

If you accidentally cause damage or injure someone, this coverage can help cover legal costs and any payments you’re found responsible for – within BC and worldwide.​

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Optional Coverages​

Roof Guard
Protection from External Water Sources​

If water from outside your home (e.g. backed-up drain, leaky roof) finds its way in, your belongings and extra living costs will be protected when you select these coverages.

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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 ensure your belongings are protected.

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Cyber Coverage​

Protect yourself from costs and damages that result from cyber security events like phishing or online fraud. You’ll also have access to 24/7 phone support in the event you suspect you’ve been the target of a cybercrime.

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How Can You Save with BCAA?

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Save 10% as a BCAA Member on any policy​

Members save an average of $50 on BCAA Renters Insurance with this discount.

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Save up to 10% with BCAA Member loyalty savings

If you’re a BCAA Member, save an additional 1% for every year you’ve had your renters insurance policy with BCAA — up to an additional 10%.

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BCAA Members save $100 with BCAA Renters & Car Insurance

Get $100 of savings when you bundle BCAA Renters and BCAA Optional Car Insurance as a BCAA Member.

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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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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.

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.

FAQs

Renters insurance is not required by law in British Columbia. However, some landlords may ask tenants to have renters insurance as part of their tenancy agreement. It’s always a good idea to review your lease carefully. Even when it’s not required, renters insurance can help protect your belongings and provide liability coverage if you’re responsible for accidental damage or injury.​
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.
Yes. BCAA Renters Insurance generally covers your personal belongings even when they’re away from home, such as items stolen while you’re travelling or stored temporarily elsewhere. Coverage is subject to policy limits and special item limits, so it’s a good idea to review your policy wording or talk to an advisor if you have high‑value items.

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

Renters FAQs Contact Us 

Alnasir’s Claim Experience

When external issues caused his apartment to flood, Alnasir had to move out for five weeks. BCAA made the transition to temporary accommodations smooth and manageable.​

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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.