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Renters Insurance

Protect your belongings from the unexpected.

While your landlord's policy covers their rental property, it won't protect your belongings inside. You’ll still need protection from break-ins, fire, water damage or personal injury to another person at your place. Get coverage for your personal belongings and the liability protection you need. Plus, BCAA Members save up to 20%†.
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Key Features

Fire and Smoke
Fire and Smoke

Get coverage for your belongings in case they are damaged or destroyed in a fire.

Crime and Vandalism icon
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, or stolen anywhere in the world.

Personal Liability
Personal Liability

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

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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. 

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 and damages your personal belongings.

Optional Extras

Roof Guard
Extended Water Coverages

Water often finds a way in, but with Extra roof leak coverage, Outdoor drain and surface water coverage, and Flood coverages, you’ll be protected. Find out if you are eligible for 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 protect your home and your belongings.

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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.

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.

In case of nail

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.