Surrey Home Insurance With Right Coverage & The Best Price

Coverage For Surrey Homeowners

What's Covered

Here is what each part of a home insurance policy pays for. We check which ones you have now and help you fill any gaps.

• Property Damage

  Pays to repair or rebuild your house when something sudden damages it, such as a fire, a burst pipe or a fallen tree. We check your limit covers what it would cost to rebuild today.

• Liability Claims

  Pays if someone is hurt at your home, or you accidentally damage someone else's property, and they make a claim against you. It also pays your legal costs.

  More on Umbrella Insurance

• Earthquake

  The Lower Mainland is one of Canada's highest-risk areas for earthquakes, and a standard policy does not cover shaking damage. This add-on does. It has its own deductible, set as a share of your home's value, often 10% or more.

• Theft Protection

  Pays to replace belongings stolen from your home. Things taken while you are away from home are usually covered too, up to a limit. Jewellery and bikes have lower limits unless you list them.

• Vandalism Coverage

  Pays to repair damage someone causes on purpose, like broken windows or graffiti. Most policies stop covering this once a home sits empty for about a month, so tell us before a long trip or renovation.

• Fire Destruction

  Pays to repair or rebuild after a fire and to replace what was lost, whether it started in your kitchen or spread from next door.

• Smoke Damage

  Pays for cleaning and repairs when smoke from a sudden fire stains your walls, furniture and clothes, even if the flames never reached your rooms.

• Water Leaks

  Pays for sudden water damage inside your home, such as a burst pipe or a broken water heater. Slow leaks that build up over months are usually not covered, so fix drips early.

• Sewer Backup

  Pays for damage when sewage or storm water backs up into your home through floor drains, often during heavy rain. It is usually an add-on, so check that your policy has it.

• Overland Flood

  Pays when water flows into your home from outside, such as a river overflowing or heavy rain pooling at ground level. It is an add-on, and in some high-risk areas insurers do not offer it.

• Severe Storms

  Pays for damage from wind and hail, such as torn shingles, broken windows or a tree blown onto your house.

• Roof Damage

  Pays to repair your roof after sudden damage, like a storm or a falling branch. Wear and tear from age is not covered, and some insurers pay less on an older roof.

• Contents (Your Belongings)

  Pays to replace your furniture, electronics and clothes after a covered loss. Many people are underinsured here, so we help you set a limit that would really replace everything.

• Living Expenses

  If your home cannot be lived in after a covered loss, this pays the extra cost of living somewhere else, like a hotel and meals, until it is repaired.

• Detached Structures

  Covers buildings on your property that are not joined to the house, like a garage, shed or fence, usually up to a set share of your home's limit.

• Service Lines

  Pays to repair the water, sewer and power lines buried between your house and the street. Fixing them means digging up your yard, and a standard policy does not cover it.

• Home-Based Business

  If you run a business from home, a standard policy covers little of your business equipment and none of the clients who visit. This add-on fills that gap.

  More on Business Insurance

• Identity Theft

  Pays the cost of clearing your name if someone steals your identity, such as legal fees, phone calls and time off work.