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?

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

There are various different home insurance policies you can choose from – here, we cover three common types of plans, so you can choose the best one for your needs. It's important to note, however, that most homeowners will opt for the comprehensive choice as it offers the highest level of coverage.

Standard home insurance coverages in BC

While the type of home insurance plan you select will determine the risks you're insured against (e.g. theft, fire), most BC home insurance policies will offer these standard coverages.

Dwelling coverage

Contents coverage

Liability coverage

Additional living expenses coverage

Common home insurance add-ons in BC

You can also customize your BC home insurance policy further with optional add-ons (also known as endorsements). While the available options will differ depending on the insurer you choose, here are some common ones you can ask your insurance representative about.

  • 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 just a few minutes, view customized home insurance quotes from top providers across BC – find your best rate with us today.

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 home insurance in BC

While insurers are the ones that ultimately determine the price you'll be paying, there are many steps you can take to ensure you're getting the best possible premium – here, we cover eight different ways to get cheap home insurance in BC.

  1. Shop and compare

    With, you can compare personalized home insurance quotes from top BC companies, all in one instance. You won't know which insurer offers the best rate until you shop the market.

  2. Bundle policies

    By securing your home insurance policy plus other coverage needs (e.g. auto, condo, tenant) under one provider, you'll be eligible for a multi-policy bundle discount.

  3. Stay loyal

    It's no surprise that insurers value customers who stay with them long-term. If you're renewing a home insurance policy with your current insurer, be sure to ask about loyalty discounts.

  4. Upgrade your property

    While some upgrades (e.g. remodelled kitchen) can increase your premium, others (e.g. new roofing) can help lower it instead.

  1. Improve your credit

    Many home insurance companies look at your credit score as an indicator of the risk you bring. Opting in for a soft credit check (and having a good score) will lead to the cheapest insurance rates.

  2. Install safety systems

    Certain safety systems, such as a centrally monitored alarm system, can lead to a discount – insurers like to see you lower your risk of having to make a claim.

  3. Increase your deductible

    Your deductible is the amount of money you agree to pay for a claim before your insurer meets the rest. Choosing a higher may leave you with more risk, but it will also lead to lower rates.

  4. Just ask

    You never know what discounts you can qualify for unless you ask. For example, you may be eligible alumni group rates.

Ready to secure the cheapest home insurance in BC?

We've got you covered – compare BC 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?