Faq

We work with appraisers and specialty insurers who understand the unique craftsmanship, materials, and features of historic and custom homes to determine an accurate rebuild cost, ensuring no detail is overlooked.

We help you calculate the proper coverage by assessing your home’s replacement cost, the value of your belongings, and your liability needs. Our goal is to ensure you are fully protected without being over-insured.

Typically, standard policies do not include coverage for overland floods or earthquakes. However, this crucial protection can be added as an optional endorsement. We can explain the options for BC homeowners.

Not always. Many insurers offer a “claims forgiveness” feature, and the impact of a claim can depend on its type and size. We can advise you on your specific policy and situation.

Increasing your deductible is a common way to save. You can also get discounts for having a monitored security system, bundling your home and auto insurance, or being claims-free. We’ll help you find every discount.

Replacement cost pays to replace your damaged items with new ones of similar kind and quality. Actual cash value pays the replacement cost minus depreciation. We almost always recommend replacement cost for better protection.

Yes, personal liability is a core part of your home insurance policy. It helps protect you financially if you are found legally responsible for an injury to someone on your property.

Yes! We can set up renewal reminders for you. And with our mobile delivery service, we can bring the documents to your work or home, often in under an hour, solving any last-minute rush.

It’s simple. All you need is your BC Driver’s Licence. We can look up your vehicle information and policy details in the system and handle the rest for you.

Not at all. We offer complete renewal services online or over the phone. You can get fully insured or renewed from the comfort of your home without ever stepping outside.

Not necessarily. A renewal is the perfect time to review your coverage. Let us know what’s changed—maybe you’re driving less or want better protection—and we’ll ensure your policy is a perfect fit.

Absolutely. Whether you need to add a new driver, update your address, or adjust your coverage options, we can take care of all changes during the renewal process. Just let us know.

Yes, we can. We are licensed to serve all of British Columbia. We can complete your entire ICBC Autoplan renewal for you remotely, no matter where you are in the province.