Yes, your Westland Insurance home insurance policy can be paid online. Click here to pay online.

There is no charge for a quote for BC home insurance from Westland Insurance. There is also no obligation to purchase a quote. To ensure that you are not overpaying for your house insurance, tenant insurance or condo insurance, we invite you to come in and get a comparison quote for free! You can also request a BC home insurance quote online here.

An insurance policy is a contract between the insured (person who is named on the policy and generally purchases the insurance) and the insurer (Insurance Company).  The insurance company agrees to share in the risk as outlined in the insurance policy and policy wordings. There is an exchange of money for a promise to pay. The insurance policy is often purchased from an Insurance Broker.

There are several types of insurance policies you can purchase. Please remember that the wording and what is covered may vary within these general categories from one insurance company to another. You should pay particular attention to the limits of coverage and policy wordings when purchasing a home insurance policy in BC. In many areas of BC it is also important to consider Earthquake Insurance and Overland Water Coverage.

A Named Perils policy only covers the perils that are specifically stated in the policy. 

Comprehensive is the most inclusive home insurance policy; it covers both the contents and building (if applicable) for all risks, except for those specifically excluded.  These policies are also referred to as All Risks Insurance. Westland offers comprehensive insurance coverage for house insurance, condo insurance and tenant insurance.

Although home insurance is strongly recommended, there is no law that requires residents to carry home insurance. However, if you have a mortgage on your home, the mortgage company most likely requires you to carry home insurance.

The cost of insurance in BC depends on many factors including where your home is located, the type of policy, the limits of coverage, your claims history and other possible discounts.

Most home insurance policies for your main residence include worldwide personal liability coverage. Rental property policies and seasonal property policies typically include liability restricted to the premises. Check with your Westland Insurance advisor to confirm your liability coverage limits.

Replacement Cost" means the cost, at the time of loss, of repairs or replacement, with property of similar kind and quality, without deduction for depreciation

A deductible is the portion of a loss that the policy holder pays in the event of a claim.

Earthquake coverage insures your home and belongings in the event of an earthquake. Earthquake is an excluded peril in most home insurance policies and must be added   as an optional endorsement.

Earthquake deductibles can be very large. An Earthquake Deductible Buy-Down policy can be purchased to substantially lower your payable earthquake deductible should a claim arise.

Earthquake Strata Assessment Coverage applies to condo and tenant owners. This policy covers for the portion of your strata’s earthquake deductible that gets assessed to you as a unit owner in the event of an earthquake, substantially lowering the amount you would be required to pay by your strata.

Additional Living Expense is coverage for extra living expenses that arise if you are forced from your home due to an insured loss.

Yes, you need to advise your insurance broker of a rental unit.

Yes, you need to advise your insurance broker if you are doing any home renovations. In some cases you may need Permission for Renovations added to your policy. You will also want to consider whether you need to increase your limits of coverage.

You can get a BC home insurance quote from a Westland office near you. Westland now has over 70 BC insurance locations. Contact your local Westland Insurance office, call 1-800-899-3093, or request a quote online.  

If you own a house, one of our Westland Insurance Advisors can work with you to do a Home Valuation. This valuation aids in determining the approximate replacement cost of your house.

If you rent or own a condo, one of our inventory checklists can assist you with determining an appropriate limit for personal property coverage.

You can review your policy with a Westland Insurance broker to make sure your coverages are correct and you have all eligible discounts. To learn more visit Save on Home Insurance.

Yes, BC home insurance is available within an installed house alarm in most cases. Additional discounts may apply when a fully functional monitored alarm or local alarm is installed. This discounts can sometimes even exceed the cost of the alarm. Ask your Westland Insurance broker for details.