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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.

Key Features

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

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 Extras

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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.

Learn More
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Glass Coverage

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

How Can You Save with BCAA?

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.

Home Safety Systems

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

Updated Home Features

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

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

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.

Award Winning
BC’s Most Trusted Insurance Brand*

British Columbian’s consistently choose BCAA as BC’s Most Trusted Insurance brand as reported by the Gustavson Brand Trust Index.

Saving the Day
When It Goes Wrong, We Make It Right

Have peace of mind that you're covered in the event of a claim. You can count on a stress-free claims experience knowing that over a one-year period BCAA paid out 95% of claims related to fire, water, weather and theft**.

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Protect for your home away from home with BCAA

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*BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index
**From 2019 to 2020, BCAA paid out on average 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results. Home Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by BCAA Insurance Corporation.
†BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit