Home Insurance.
Full-home coverage for BC homeowners — dwelling, contents, liability, and the extras BC owners actually need.
Everything you'd expect. Nothing you don't.
Plain-English coverage, no 40-page policy wording to decode.
Dwelling
The structure of your home — walls, roof, attached garage — rebuilt if damaged.
Contents & belongings
Furniture, electronics, clothing, sports gear — covered against the perils named in your policy. Replacement cost coverage available.
Personal liability
If someone's hurt on your property or you cause damage elsewhere, you're covered.
Water damage
Sudden, accidental water damage from inside your home. Overland water and sewer back-up coverage available as add-ons.
Outbuildings
Detached garages, sheds, workshops — covered up to policy limits.
Earthquake
Optional BC-specific add-on. Highly recommended on the coast.
Additional living expenses
Displaced by a covered claim? We pay for accommodation, food, and logistics.
Legal expense
Up to $100k of legal cover if you're sued for personal liability.
Coverage that fits real British Columbians.
First-time homebuyers
We'll walk you through what's covered, what isn't, and what BC homes specifically need.
Established homeowners
Already know what you want? Quote fast. Keep your existing cover if it works — improve what doesn't.
Renovators & improvers
Finished basement, new roof, heat-pump install? Tell us — your cover should reflect what's actually there.
Three steps. One coffee.
Quote
2 minAnswer four questions — postal code, property, move-in date, occupants.
Customize
30 secSlide your limits, pick optional add-ons. Price updates live.
Bind & download
10 secPay, and your policy documents land in your inbox instantly.
Questions we hear most.
What factors affect my premium?
Location, age of the home, construction type, and your claims history are the primary factors in BC.
Is overland water covered?
Sudden internal water damage — like a burst pipe — is generally covered. Overland water (flooding from rain or snowmelt) and sewer back-up are typically separate optional coverages. We'll quote them with your policy so you can decide what to add.
Should I add earthquake in BC?
If you're anywhere on the BC coast, yes — the South Coast and Vancouver Island sit on an active subduction zone. It's an optional add-on we can quote alongside your home policy.
Do I need home insurance if my mortgage is paid?
Not legally — but a total loss without coverage is life-changing. Most paid-off homeowners still keep a policy.
How fast can I bind online?
Most straightforward homes bind in under 5 minutes. Complex homes route to an advisor.
Can I switch mid-term?
Yes. We'll handle the cancellation of the old policy and line up the new one so there's no gap.
Ready to get covered?
Quote in under 5 minutes. Bind online. Zero phone calls.