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BCAA Home & Renters Insurance

Whether you rent or own a home in BC, it's important to protect yourself with insurance. New policies for renters start as low as $20/month and include protection for your personal belongings in case of damage or theft, and will help you with extra living expenses if you have to move out due to a claim.

We're here to help you navigate the costs of setting up a home in Canada. Let a BCAA advisor know you’re new to Canada or quote online to save 15%† on your first policy. You’ll also save an additional 10% if you’re a BCAA Member and 5% when you buy online.​

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Coverage for the unexpected

With BCAA Home Insurance, customize your policy and coverage to fit your needs and your budget. Renters plans often start as low as $20/month and BCAA Members can save up to 20%.

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Protect Your Favourite Things

If your personal belongings like your clothing, laptop or furniture end up damaged or stolen, we’ll help you replace them with personal property coverage.

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Living Costs Coverage for When Life’s Disrupted

You're covered for additional living expenses if you need to move out of your home due to an event like an emergency evacuation or damage requiring renovations. This includes things like temporary accommodations, storage, transport and more.

Personal Liability
Coverage for Life's Unintended Accidents

There may be an instance where you’re found responsible for accidental damage or injury – like a delivery person slipping on your icy path. We’ll help you pay for legal fees and payments if you’re found liable.

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Withstand the Weather

BC's unique environment means we get a lot of major weather events like wildfires, storms, freezing and flooding. If you own your home, we have coverage to protect you against resulting property damage.

Why choose BCAA?

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BC Based

We have 29 BCAA Service Locations across the province and a local call centre, with expert agents ready to help and explain our policies in plain, simple language. Interpreters are available for over 240 languages on demand.

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Easy Set Up

No Canadian address history? No problem. BCAA still has you covered with home insurance.

Trusted Experts
Get a Quote & Insured in Minutes

Get a quote and buy a policy online in as little as 5 minutes, with agent support available in person at one of our Service Locations, over the phone or via chat if you have a question.

Saving the Day
95% of Fire, Water, Weather & Theft Claims—Paid

Our coverage is simple to understand so you can have confidence you know what's covered in the event of a claim. BCAA paid out over 95% of claims related to fire, water, weather and theft.*

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Trusted by British Columbians

97% of BCAA Home Insurance customers were satisfied with their recent purchase experience.**

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Available When You Need Us Most​

Our claims support team is available 24/7 to help you through what to do in the event of the unexpected. Once you’ve opened a claim, our adjusters will endeavour to get back to you within one business day.

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Need help in your preferred language?

Our agents can help in over 240 languages

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FAQs

Our basic protection plans start as low as $20/month.

In BC, if you obtain a mortgage to purchase a property, your lender may require proof of an adequate home insurance policy on that property. As a renter, insurance is not compulsory but a landlord can make it a requirement of your lease, as their home insurance policy will not protect you or your belongings.

No, we offer online bank transfer, in addition to credit card withdrawals as a payment method, or you can pay by credit or debit in-person at your local Service Location.

  • Details about the building you live in (e.g. year, heating source and safety/security alarms), plus, construction and maintenance details if you're a homeowner.
  • Your home insurance claims history, including from policies you've held outside of Canada - if you have any. Your previous provider(s) should be able to provide you with a summary.
  • Your Membership number if you're a BCAA Member - Members save up to 20%.
  • Your most recent permanent address in Canada, if you've lived here before.

We have monthly and annual payment plans available. You can select how you’d prefer to pay when you buy online or with an advisor.

Don’t see your question here?

Find more FAQs here or chat with us by clicking the icon in the bottom right corner.

†Some conditions apply. Offer expires 30 days from first quote date and is valid for 15% towards a new BCAA Home Insurance policy for the first year only. Minimum premium of $250 is required. Subject to change without notice.
*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.
**Based on an online survey conducted by BCAA from October 1, 2024, to March 13, 2025 of BCAA Home Insurance customers who purchased the product at a BCAA Service Location or over the phone. 10.5% of recipients responded, with 97% reporting satisfaction with the service received from a BCAA Insurance Agency representative. Results reflect respondent opinions and may not represent all customers.