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Renters Insurance for New Canadians​

Renting in BC? Your landlord's insurance covers their building, not your belongings. Policies for renters start for as low as $20 a month, and include protection for your personal belongings in case of damage or theft, plus help with extra living expenses if you have to move out due to a claim.

Setting up a home costs enough already. We'll walk you through what you need and what it will cost, in clear language, in person or online. Let a BCAA Advisor know you’re new to Canada or quote online to save 15%† on your first policy.

Need help in your preferred language? We offer Punjabi, Hindi, Urdu, Gujarati and more. Tell us when you book an appointment.

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Coverage for the unexpected

Shape your policy and coverage to fit your needs and your budget.

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Protect Your Favourite Things

If your personal belongings like your clothing, laptop or​ furniture are damaged or stolen, we'll help you replace​ them with personal property coverage. That includes​ the things you brought with you and the things you'd​ have the hardest time replacing.​

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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 evacuation order or significant water damage. This includes things like temporary accommodation, storage, transport and more.​

Personal Liability
Coverage for Life's Unintended Accidents

If you accidentally cause damage or injure someone, this coverage can help cover legal costs and any payments you’re found responsible for – within BC and worldwide.​​

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Withstand the Weather

BC’s environment is prone to major weather events like wildfires, storms, freezing and flooding. Coverage can be added to protect your belongings when weather damages the building you live in, even though the building itself is your landlord's responsibility.​

Here’s what we don’t cover​

This list is a summary, not the full policy. For complete details on conditions, limits and exclusions, read the full policy wording here.

Damage caused by repeated leakage or seepage of water​

Damage caused by animals like raccoons, skunks, and insects​

Damage caused by saltwater flooding, tsunamis or landslides​

Accidental damage of fragile items (e.g. chinaware, collectibles and fine arts)​

Damage caused by deterioration or lack of maintenance, including wear and tear, mould, rust, rot or corrosion​

Some unexpected events are covered by Optional Coverages, such as earthquakes and external water damage. Add these when you get a quote.​

Some decisions are easier in person

You can do all of this online. You can also sit across from someone and ask as many questions as you need to. We have 29 BCAA Service Locations across the province, including Surrey, Abbotsford, Delta and Richmond. Book an appointment or walk in anytime during our opening hours. Our advisors will help you create a policy and explain your coverage in simple language, plus interpreters are available on demand.

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Need help in your preferred language?

Our agents can help in over 240 languages

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Why choose BCAA?

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BC Based

BCAA has been serving the province since​ 1906. When you call, you reach a local call​ centre. When you claim, it's handled here.​

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Easy Set Up

No Canadian address history? No problem.​ You don't need to have lived here long to complete a quote.​

Trusted Experts
Get a Quote & Insured in Minutes

Get a quote and buy a policy online in as little​ as 5 minutes. Expert support is available in​ person, over the phone or online.​

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 our 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.

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.

Your policy will cover you, your spouse or partner, and any children who live with you. Please do not add roommates, landlords, or mortgagees. BCAA strongly recommends roommates purchase separate policies due to complications that may arise from changes to living situations, losses, claims and payments.​ ​

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 built, 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.

If you’re moving to another address within BC, please contact us by phone by calling 1.888.268.2222 or visit a Service Location to discuss your options.​

Yes. BCAA Renters Insurance generally covers your personal belongings even when they’re away from home, such as items stolen while you’re travelling or stored temporarily elsewhere. Coverage is subject to policy limits and special item limits, so it’s a good idea to review your policy wording or talk to an advisor if you have high‑value items.

Everything you brought here, and everything you've bought since


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†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 2021 to 2025, 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.