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Who is Pafco Insurance?

PAFCO insurance was founded more than 25 years ago under Pembridge Insurance. They offer home insurance for houses, condos, rented apartments, and cottages. They sell their products through a broker network and have built their business on specialized insurance products in the auto industry.

Types of Pafco Insurance home insurance

Homeowner's insurance

Condo insurance

Tenant (Renter's) insurance

Cottage insurance

How can I purchase Pafco home insurance?

You can purchase Pafco home insurance from one of their approved insurance brokerages like Surex Direct. A brokerage is a certified reseller of insurance products from a variety of providers.

The benefit of purchasing from an insurance broker is that they have a better understanding of what’s in the market and can provide you with a less biased take on what’s available to you. The primary drawback from purchasing insurance from a broker versus going direct to an insurer, if they offer it, is that it may cost you a bit more than if you had chosen to purchase directly from an insurer. As always, we recommend you take the time to shop and compare insurance providers to make sure you are getting the best policy for the right price to meet your needs.

Available Pafco Insurance home insurance discounts

If you’re looking for discounts on home insurance with Pafco Insurance, here’s how you can save:


Water damage prevention


Mortgage free

Multi-home discount

Monitored alarm system

Optional Pafco Insurance home insurance coverage

Pafco Insurance offers several useful additional coverage options that you can get for both your home and car. Here are some unique coverage extensions that are designed to help you customize your home insurance policy to meet your needs.

Optional home insurance coverages:

Optional Coverages Overview

For residents of BC, this can help you piece your home and its contents back together after an earthquake

WaterDamage Extension

Pafco offers comprehensive overland water coverage both from melting snow, rising lakes and sewer backup.

Sewer Backup

Covers you for damage or loss caused by water especial from back up of sewers, drains, sump pumps, or septic tanks.

Home-based business

Basic coverage to protect you and your new business.

You can learn more about the additional coverage options that Pafco Insurance has to offer here .

FAQ's about Pafco home insurance