Protect Your Home and What's Inside
Fire and Smoke
Security for your home and belongings if they are damaged or destroyed in a fire.
Major weather events are becoming more frequent, more severe and less predictable. Get covered for damage from wind storms and find out if you’re eligible for Flood coverage.
Crime and Vandalism
Your favourite belongings are in your home. Make sure you're covered if anything is damaged or taken from your home due to theft.
Personal liability provides coverage for accidental damage or injury you cause anywhere in the world.
You're covered for things like if a pipe bursts under your sink, or if water suddenly escapes your washing machine destroying your hardwood floors.
Provides protection for important personal items like jewellery, watches, bikes, computers and cameras. Some items are subject to special limits of coverage like bikes, up to $2,000.
If you suffer damage to an older home, we provide coverage in case you have to rebuild to current by-law standards.
Additional Living Expenses
When you’re out of your home due to a claim, your extra expenses are covered. We have options to increase your limit to fit your unique needs.
With over 1,200 earthquakes every year in BC, whether it's a tremor or when the big one hits, you'll want to protect your home and your belongings.Learn More
Extended Water Coverages
Protect your home from damange caused by external drains, water that enters your home through an opening in the roof, around windows and skylights, overflow of fresh water and accumulation of surface water.Learn More
Protect yourself from the cost and damages of identity theft.
Zero Glass Deductible
In the event of an accidental glass claim, you won’t need to pay your standard policy.
How Can You Save with BCAA?
Become a BCAA Member
BCAA Members always save 10% on any home insurance policy.
Combine Home & Car
Members save up to $40 when you bundle home and optional car insurance, plus receive free tire protection.
A deductible is the amount you need to pay in the event of a claim. Increase the deductible and you'll save even more on your policy.
Home Safety Systems
Having fire sprinklers, automatic water shut off, intrusion alarms and other home safety systems can help you qualify for extra savings.
Loyalty Savings Bonus
Save 1% for every year you've had your home insurance with BCAA (up to an additional 10%).
Your claims history can also play a part in lowering your premium. The longer you've been claims free, the more you'll likely to save.
We know BC. Using our local knowledge and 40 years of experience as a province-wide home insurer, we understand the unique needs of British Columbians.
Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.
Valuable Ways to Save
BCAA Members save up to 20%. Plus, you can reduce your premium with our claims-free discount, bundling options and more.
Award Winning Home Insurance
Trusted service is what we are known for and what we’ve won awards for year after year.
Saving the Day
Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.
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