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Vacation Property Insurance

Specialized protection for your second home.

Whether you call it a cabin or a cottage, your vacation property provides a getaway from the hustle and bustle of life. BCAA provides coverage to help you protect your home away from home. And if you're renting it out on occasion, we offer short-term rental coverage too. As a local BC insurance provider, our expert advisors take the time to get to know you to understand your insurance needs and build the best, customized policy to match your lifestyle.

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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 vacation home.

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Additional Living Expenses

If your vacation is interrupted due to a claim, and you cannot reside in the home until repairs have been completed; your extra expenses are covered. We have options to increase your limit to fit your unique needs.

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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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Theft Protection

Theft can happen anytime, especially during the offseason, so protect your belongings in the event of a break-in.

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Vandalism Protection

Vacation properties are often unoccupied for a portion out of the year and have a greater chance of vandalism. Make sure you are protected with this coverage.

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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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Glass Coverage

Protect your property against accidental glass breakage through our Glass coverage.

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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Protection for your home away from home with BCAA

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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.