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How does Surex Direct find me cheaper home insurance quotes in British Columbia?

Surex Direct has partnered, with Canada’s top insurance providers, to be able to provide residents of British Columbia their best rates on home insurance. We will compare up to 10 quotes to get you the ideal home insurance policy.A few things are needed to begin your BC home insurance quote. Please, have ready the square footage of your house, the year it was built and any information relating to upgrades and modifications of your home.Insurance made simple. Get your personalized offer today.

Average Home Price in Canada (2015)

Province Average Price ($)
New Brunswick 164,000
PEI 167,000
Nova Scotia 236,000
Manitoba 273,000
Quebec 278,000
NFL 280,000
Saskatchewan 303,000
Alberta 403,000
Ontario 477,000
British Columbia 632,000

BC has the highest average home price in Canada. Surex Direct will provide you home insurance options, to find a policy tailored to your needs.

Average Listing Price in British Columbia (2015)

City Average Price ($)
Cranbrook 164,000
Prince George 167,000
Kamloops 236,000
Vernon 273,000
Penticton 278,000
Abbotsford 280,000
Kelowna 303,000
Victoria 403,000
Vancouver 477,000
*as of 7 October 2015

Ways to Lower Your BC Home Insurance Premiums

Beautiful British Columbia represents the province with the highest average home price, as well as the highest home insurance premiums. There are things homeowners can do to help reduce their premiums.

Bundle your home and auto insurance policies. Surex Direct, unlike most insurance providers, can bundle your top home insurance quote with your best auto insurance quote – even if the offers are from competing companies. You get the best of both worlds.

Get a credit check. Most companies we work with provide discounts for people who have been responsible borrowers. Insurers are more likely to trust someone that manages their credit well. Having good credit can help you save hundreds per year on your home insurance.

Pay annually. If you can budget an annual, lump-sum payment, you will pay 3-4% less - over the course of the year - for your home insurance premium than by making monthly payments.

Get a home insurance policy that matches your needs. Spend time going over the specifics of your policy. Understand the coverage you have and how it’d be applied, if needed.

Increase your deductible. If you can afford a larger deductible, in the case you’d need to exercise your policy, this will lower your home insurance premiums.

Get an alarm system. A more secure home carries less risk – it’s that simple.

British Columbia Home Insurance FAQ

Who needs home Insurance?

In the simplest answer, everyone. If you own your home, you will want protection on both your physical home and the valuables inside. If you rent out a home, you will want coverage on the physical space. If you're a renter/tenant, you will want to insure your possessions in case of damage or theft.

What is covered?

We provide cheap home insurance to look after the bricks and mortar part of your home, as well as your possessions inside. You can get online home insurance to protect against fire, fixes and repairs. You can be covered from inclement weather such as wind, hail and lightning. Our coverage also extends to protect your valuables from theft.

Should I only disclose the claims I've had in my current home that I want to insure?

In Canada, your claims history follows you, not the home. If you've had home insurance claims in previous houses, they must also be disclosed. Be prepared to disclose at least the most recent 10 years.