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Modern Home Insurance in Vancouver.

We've shopped the world to provide Vancouver home owners with real time quotes from A+ rated carriers. Get more for less with InsureCert.

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Homeownership in Vancouver.

Vancouver is vibrant seaport city located in the Lower Mainland region of British Columbia. As one of the largest and most prosperous economies in the nation, this cosmopolitan city consistently stands out as one of the best places to live in the world and features a strong real estate market. Homebuyers will find that Vancouver homes tend to be more upmarket, though a variety of choice exists amongst the distinct neighborhoods that encompass the city.

Play.  Vancouver is a bustling metropolis that has much to offer in terms of arts and culture. With an avid appreciation for theatre and performing arts, Vancouver is home to the majestic concert hall, The Orpheum, as well as The Queen Elizabeth Theatre, which together host a wealth of high quality performances.  The city also brings the community together with its array of festivals, including the Vancouver International Film Festival, PuSh International Performing Arts Festival and the Vancouver Fringe Festival, just to name a few. In terms of music, Vancouver proudly lays claim to the Vancouver Symphony Orchestra, Vancouver Opera, and a seemingly infinite amount of local music.

For more active entertainment, locals have access to over 220 parks and gardens which account for 11% of the land in Vancouver. Vancouver contains almost 1,300 hectares of parkland, with Stanley Park being the largest. Circling Stanley Park and beyond, the waterfront Seawall path offers a scenic 22 kilometre route for walkers and cyclists. Water sports abound along the Pacific with almost 18 kilometres of beachfront to enjoy. There are multiple ski areas located just outside the downtown area in the North Shore Mountains, which also provides for mountain biking and white water rafting adventure.

Work.  As the largest and most diverse urban economy in the region, Vancouver offers a strong and stable job market, with some of the largest employers being TELUS Corporation, University of British Columbia, Vancouver Hospital and Health Sciences, and many more.  Vancouver boasts a powerful economy that is bolstered even further by its advantageous location between Asia and the United States. Being the closest North American port to Asia, Vancouver is vital destination for international commerce and trade.  The ongoing operation of Port Metro Vancouver generates over 98,000 jobs and contributes more than $6 billion in wages.  Offering a wealth of job and economic opportunities, Vancouver continues to support a healthy real estate market.

Live.  Covering over 114 square kilometres of land, Vancouver has a 23 distinct neighbourhoods, each offering its own unique housing and lifestyle options from singles to families to seniors. For beachfront and water view properties, Vancouver offers some of the most unique selections of homes in the popular Kitsilano and Point Grey areas. For heritage homes, there are a number of historic neighbourhoods that surround the downtown core such as Strathcona and Gastown. Downtown offers a number of high rise condos, with luxury high rise and townhome options in Coal Harbour. For exclusive properties in the more upscale residential neighbourhoods, you can find an assortment of fine homes in Arbutus Ridge, Shaughnessy and Kerrisdale.  For rental property investments, you can find a strong real estate market near the University of British Columbia (UBC) with its steady flow of tenants who are either enrolled in or employed by the university. Next to UBC, you will find the prestigious Dunbar and Southlands neighbourhoods, which contains everything from luxury estates to equestrian farms. Traditionally, neighbourhoods on the East End offer a more affordable selection.

How we find you the best home insurance in Vancouver.

Home, condo, or renters insurance is a type of insurance that covers loss and damages to your home and any assets in it. Home insurance also provides liability coverage against accidents that occur in or on your property. While home insurance coverage isn’t mandatory in Canada, you’ll be hard pressed to find a lender who will give you a mortgage without it. That’s why finding the right home insurance in Vancouver is so important.

With InsureCert.ca, you can compare home insurance quotes from Vancouver’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Vancouver home insurance provider will be in touch to help you secure it. Not ready to fill out a form? No problem. We answer some of the biggest questions you may have below.

Your Vancouver home insurance questions, answered.

How much is home insurance in Vancouver?
It’s difficult to say exactly what your home insurance price in Vancouver will be. Because insurance is such a customized product, your costs will depend on the home insurance company in Vancouver you choose to work with. Furthermore, the average cost of home insurance in Vancouver probably wouldn’t be an indicator of what you’ll pay. Home insurance rates will vary based on the age of property, construction, wiring, and other elements. One of the fastest ways to get an Vancouver home insurance estimate is to fill out a form on a rate comparison site like InsureCert. We’ll show you quotes from the top insurance companies serving Vancouver.
What perils are specific to Vancouver?
While property insurance in Vancouver doesn’t differ greatly from property insurance in other cities, there are some specific risks to be aware of. For example, the province is prone to wildfire damage, even though Vancouver is relatively protected from this issue, especially when compared to other cities. However, Vancouver homeowners are vulnerable to other risks including: Internal water damage from burst pipes due to the very cold winters. Sewage pipe backup. Overland flooding.
What does home insurance cover in Vancouver?
Generally speaking, house insurance in Vancouver will cover: Repairs to structural damage caused by certain types of perils. A home’s contents, including the personal belongings of the home’s residents, and the belongings of guests. Personal belongings include electronics, clothing, silverware, jewelry, sporting equipment, trees and plants. However, most insurance policies do put a limit on these types of benefits. Liability, which protects the policyholder and family members from lawsuits as a result of bodily injuries. The insurance policy will pay court costs up to the limit of the policy. What many people don’t know about home insurance is that a typical policy will also cover liability or negligence anywhere in North America, subject to exclusions for business and professional activities. Generally speaking, your home insurance coverage in Vancouver will include the following risks:
  • Fire.
  • Lightning.
  • Smoke damage (excluding fireplaces).Theft.
  • Wind and hail.
  • Electrical current.
  • Explosion.
  • Vandalism.
  • Water damage.
  • Broken windows.Wind and hail.
  • Falling objects (unless propelled by a landslide, avalanche, or earthquake)
What risks won’t home insurance cover in Vancouver?
Most home insurance providers in Vancouver won’t cover two kinds of risks: uninsurable perils and optional coverage:

Uninsurable perils are predictable events that aren’t covered by insurance. That’s because the odds are high for a payout. An example of perils that may not be covered is flooding. Optional risks are those that aren’t covered but you can buy insurance for them. These would include sewage backup or earthquakes. Other things home insurance won’t cover include natural wear and tear, government actions, and the failure to make repairs. In Vancouver, most home insurance policies won’t automatically cover things like sewage backup, earthquakes or flooding without additional insurance, which are called endorsements.
What kind of home insurance do you need in Vancouver?

Standard homeowners insurance in Vancouver comes in four different forms: comprehensive, basic, broad, basic and no frills.

Comprehensive - This type of insurance covers the building and contents from all insurable perils.

Basic or Named Perils - This policy insures your home and property for perils specifically named in your policy.

Broad - A broad policy insures your home for all risks as a result of direct damage or physical loss, but the contents are only covered against perils that you name in the policy. It’s considered a middle-ground between a comprehensive and basic policy.

No Frills - As the name suggests, it’s basic coverage for properties that don’t meet normal insurance standards.

While Vancouver is less exposed to the kind of environmental perils than other cities, there are some endorsements homeowners and renters should consider including sewage backup, flooding and increased liability for your valuable items.

Purchasing extra coverage will likely increase home insurance premiums for Vancouver residents, but it’s important to ensure that your assets are adequately protected. If they’re not, the costs of repairs and damages might outweigh the cost of additional coverage.

What can you do to save on home insurance in Vancouver?

Living in a major city can be expensive, but finding cheap home insurance in Vancouver can help you cut costs. If you’re looking to lower the cost of your premium on your Vancouver home, you can:

  • Bundle insurance policies like home and auto.
  • Look into alumni or professional memberships for discounts.
  • Offer to pay a higher deductible.
  • Upgrade your home: replace knob and tube wiring, update valuable parts of your home like the kitchen or basement and replace lead pipes with copper or plastic.
  • Invest in a good security system.

Try to avoid living in areas that are known to be prone to floods, fires, or earthquakes. Finding affordable home insurance in Vancouver doesn’t have to be a struggle. Whatever your method of getting the best rate, comparison shop before you buy so you can compare current home insurance rates from Vancouver providers.

Most places will ask you a series of questions about your home before giving an estimate. You’ll be asked your address, postal code, the size and age of your home, the type of roof, whether you have a deck or a basement, and the type of electrical wiring throughout your home. All this will ensure you get the correct rate and the appropriate amount of coverage.

What are the best home insurance companies in Vancouver?

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Vancouver customers because everyone’s home insurance needs are different. The right company is the one that offers you the best rate for the type of coverage you need.

Not all insurance companies will be right for you. Here are several things to keep in mind when you’re choosing an insurer in Vancouver:

  • Do they belong to a reputable association such as the Insurance Brokers Association of Canada?
  • Are they licensed?
  • Is the company in good standing? You can check review sites.
  • Can they provide references from current and previous clients?
  • How long have they been in business?

Ease of contact with your agent and company after you’ve purchased your home or renters insurance policy. Finding an Vancouver home insurance quote online can be the fastest way to get in touch with the right provider that suits your needs.

What if I own a condo or rent? Can I still buy property insurance online?
You’re in luck! We offer policies to renters and condo owners. If you’re on the market for either of these policies, you can actually fill out the property insurance form above and select the Condo Insurance or Renters Insurance option on the first page. If you’re looking for more information about either of these products, feel free to visit our Home Owners link in the top menu of this page.
Home Building Growth 2020 in Vancouver 3.6%
Home Ownership as a percent of population: 68%
Average cost of a home in Vancouver $1,007,687
Average Vancouver home insurance premiums per month: $151

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Payment Options

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Monthly Withdrawals

Paying your insurance each month may be a more affordable option for you. We’ll divide your premium equally (plus an administration fee) over your 12-month term and automatically withdraw payment from your bank account every month.

  • Premium Financing
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Pay your entire insurance premium upfront so you don’t have to think about it until renewal. For new policies, full payment is due before the policy effective date. For policy renewals, full payment is due one business day before the renewal date.

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