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BCAA Home Insurance Updates

BCAA Home Insurance is committed to regularly updating our coverage to deliver reliable protection to our customers and respond to changes to the unique environment of our province. Your policy wording is updated to support these changes. A summary of recent changes that may affect your policy, or any new optional coverages that are available to you, are outlined below.

Policy Wording Updates

For new policies with an application date of September 24, 2025, or later and renewals with effective dates from November 2, 2025.

Earthquake-Related Damage

Limitations to guaranteed building replacement coverage when property damage is in relation to an earthquake, including fire resulting from an earthquake.

Plus, changes to zero deductible glass coverage when damage is in relation to an earthquake.

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Special Limits

Changes to coverages, exclusions and definitions related to business property and jewellery, luxury goods, e-bikes and e-scooters within personal property with special limits.

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Home & Personal Contents Extra Coverage

Changes to limits, eligibility and definitions for Home & Personal Contents Extra Coverage, including for lock replacement, landscaping, debris removal, bylaws, food spoilage.

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Exclusions

Updates to coverage exclusions for property, liability and definitions related to cyber threats.

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Insured Damage

Changes to clarify the definition of insured damage and when coverage is available for bareland strata, strata protection coverage and additional living expenses.

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Wildfire Property Defence Program Condition

Updates to our conditions and definitions in relation to our Wildfire Property Defence Program.

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Cyber Coverage

For new policies with an application date of June 25, 2025, or later and renewals with effective dates from September 2, 2025.

Information for Existing Identity Theft Coverage Holders

Identity Theft Coverage is being discontinued and will be replaced with a new Cyber Coverage option. Existing customers with Identity Theft Coverage will be transitioned to Cyber Coverage at renewal.

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Wildfire Property Defence Program

For new policies with an application date of April 28, 2025, or later and renewals with effective dates from June 6, 2025.

Homeowners Within Service Area Now Eligible for Wildfire Damage Reduction Services

Updates to our conditions and definitions in relation to our Wildfire Property Defence Program.

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