Skip to main content
Ratehub logo
Ratehub logo

Compare British Columbia home insurance quotes

In under five minutes, compare BC home insurance quotes from the province's top providers – find your best rate with us today.

How to compare BC home insurance quotes with

  1. Share information

    Tell us a little about yourself and your property coverage needs.

  2. Compare quotes

    We instantly show you home insurance quotes from top BC providers.

  3. Save money

    Choose your quote and secure your home insurance rate online.


A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

How does home insurance in BC work?

Matt Hands

In British Columbia, home insurance isn't required by law. While it's highly recommended that you protect your property with the right coverage in place, it's also entirely up to you.

The exception, however, is if you have a mortgage on the home. Most mortgage lenders will require you to carry insurance on the property as part of the lending agreement. 

A home insurance policy doesn't just protect the physical build of your home. It can also protect you financially from the loss and damage of your items, as well as pay out expenses related to legal liability. To learn more about all things home insurance BC, be sure to read on.

Types of BC home insurance policies

Home insurance policies can differ greatly, depending on the type of plan you choose. Here, we cover the three main types of plans, so you can select the right one for your needs. Keep in mind that most homeowners go for a comprehensive policy as it provides the highest level of coverage. 

Standard home insurance coverages in British Columbia

While the risks you're insured against (e.g. theft, fire) may differ depending on the policy you choose, most home insurance plans in BC will provide the following standard coverages.

Dwelling coverage

Contents coverage

Liability coverage

Additional living expenses coverage

Common home insurance add-ons in BC

In British Columbia, you also have the option to customize your home insurance plan further with add-ons (also known as policy endorsements). While these may differ depending on the insurance company you select, here are some popular options you can consider. 

  • Home-based business insurance

    If you run a business from home, you may want coverage agaisnt commercial-related risks (e.g. damaged stock).

  • Umbrella insurance

    These policies are typically sold separately. They offer an extension to your auto or home insurance's liability limit – plus cover additional forms of liability.

  • Identity theft insurance

    If your information is stolen with the intent to commit crime, this coverage can help you with the recovery process financially.

  • Extended contents insurance

    Some items (e.g. art, jewelry) have set coverage limits. With this add-on, you can increase the limit for peace of mind.

  • Flood insurance

    This covers you for flood damage (which can include overland water and sewer backup) – highly recommended for homes in flood-prone areas.

  • Earthquake insurance

    Earthquakes are usually an uninsured peril unless you add the coverage to your policy. Consider doing so if you live in an area that could be impacted.

Get the best home insurance quotes in BC.

In less than five minutes, compare home insurance quotes from BC's top providers – your cheapest rate is only a few steps away.

How much is home insurance in BC?

According to an article from InsureBC, the average cost of home insurance in the province is about $1,200 to $1,700 per year. Keep in mind, however, that rates can differ greatly on a case-to-case basis – you won't know the exact price you'll be paying until you compare personalized quotes with us.

Factors that impact your BC home insurance quote

Home insurance companies look at many factors to determine your personalized quote – here are a few key ones that help indicate the level of risk you bring as a policyholder.

Property type

Home replacement cost


Internal construction


Renovations & betterments


Pools & acessory dwellings

Special use

Credit score

Insurance history

How to get the cheapest BC home insurance

While insurance providers are the ones that ultimately set your rate, there are a few steps you could be taking to ensure you're getting the best offer possible. Here, we cover eight different ways to get home insurance in BC for less.

  1. Shop and compare

    With, you can compare customized home insurance quotes from BC providers all in one instance. You won't know which one offers the best rate until you shop around.

  2. Bundle policies

    P&C providers offer discounts to customers who bundle multiple policies under them. This can include auto insurance, tenant insurance, and more.

  3. Stay loyal

    Insurance companies may offer policy discounts to those that have stayed with them long-term. If you're renewing your policy, be sure to ask your provider if you're eligble for a discount.

  4. Improve your credit

    Did you know that insurers can may factor in your credit score when calculating your home insurance quote? The best rates go to those who opt-in (and have good credit).

  1. Upgrade your property

    Some upgrades, such as a full kitchen remodel, can lead to higher insurance rates. Others, like a roof replacement, can lead to lower premiums because you're reducing your risk.

  2. Install safety systems

    Having certain safety measures in place (such as a centrally monitored fire alarm) can lead to cheaper home insurance rates as it reduces your risk of making a claim.

  3. Increase your deductible

    Your deductible is the agreed-upon amount of money that you're in charge of before your insurance company pays out the rest. Setting a higher one will lead to a lower premium.

  4. Just ask

    You won't know what discounts you may be eligible for until you ask. For instance, you may be able to get a group rate for being part of a professional association.

Ready to secure the cheapest home insurance in BC?

We've got you covered – compare home insurance rates with us today to find your best option.

Frequently asked questions on BC home insurance

How do I get the best home insurance in BC?

What are the best home insurance companies in BC?

How do I get the cheapest home insurance in BC?

What is high-risk home insurance in BC?

Do I need home business insurance in BC?

Who is the best home insurance broker in BC?

What is not covered by a typical BC home insurance plan?

Can you cancel home insurance in BC?

What is a home insurance peril in BC?

How do home insurance claims work in BC?

What is a home insurance deductible in BC?

Do I need home insurance for Airbnb in BC?