Renewed automatically. Again.
Your premium went up again. Did anyone actually review it?
Prime Insurance compares your renewal against more than a dozen BC insurers and gives you a straight answer: are you overpaying, or is your price actually fair? One 15-minute call, at a time you choose.
If your renewal is already competitive, we’ll tell you. No pressure, no obligation to switch.
Free · Licensed advisors · Surrey since 1994 · English · Punjabi · ਪੰਜਾਬੀ · Hindi · हिंदी
The thing nobody mentions
Auto-renewal is easy. That’s exactly the problem.
A notice arrives. The premium is a little higher than last year. You pay it — because that’s what you do — and the policy renews. Next year, the same. Nobody’s the villain: automatic renewal is designed to need nothing from you.
But “renewed” and “reviewed” are not the same thing — and the difference only shows up in the year it matters. A real review isn’t automatic. Someone has to actually sit down and look.
What a real review checks
Four things your renewal notice never tells you.
In about 15 minutes, a licensed advisor goes through the parts an automatic renewal quietly skips:
Are you still with the right company?
We’re an independent brokerage — we represent multiple BC insurers, so we compare where it makes sense instead of renewing you with the same one out of habit.
Is your coverage still right for your home?
Renovations, a finished basement, a new roof, a rental suite — changes that should be on the policy and often aren’t. We also check the discounts you qualify for: alarm, claims-free, mortgage-free, bundling.
Is your rebuild cost keeping up?
Construction costs in BC have climbed. If your home is insured for less than it costs to rebuild today, a partial loss can leave you short. We check whether your Guaranteed Replacement Cost still holds.
Why did the premium change?
You deserve a straight answer for every increase — not a number that simply appears on the notice each year.
Who does your comparison
The advisors who do these reviews.
Your comparison is done by one of these five licensed advisors — a real person at our Surrey office, not a call centre. Between them: English, Punjabi, and Hindi.
How it works
Three steps. Your pace.
What happens next
- You send the form above — takes about 30 seconds. Pick a call window, or choose email-first to book at your pace.
- A licensed advisor prepares your review — attach your renewal notice and they come to the call already knowing your current coverage.
- In one 15-minute call, you get the straight answer: where your price sits across more than a dozen BC insurers.
If your renewal is already competitive, we’ll tell you.
This isn’t a bait to switch you. Sometimes we run the comparison and your price is genuinely competitive — and we say so, and you go back to your day knowing it. Sometimes another insurer prices the same home better. Either way, you leave knowing exactly where you stand.
That’s the whole offer: a straight second opinion from someone who puts their name on it.
What clients say
4.8 stars across 600+ Google reviews.
Real reviews from local clients — posted publicly on Google and easy to verify.
“I’ve been doing business with Kul Shergill and his family for almost 30 years. Prime Insurance is a family run business and they have always been fair and honest. They work hard to find us the best policy available.”
“I have been insuring with Prime Insurance since they started. I have not found anyone better through all these years. They will give you the right advice no matter what.”
“Only took a few minutes. Clear instructions and communications. Very pleasant advisor — very streamlined operation!”
Common questions
Straight answers before you book.
Does the review cost anything — and do I have to switch?
No and no. It’s free, with no obligation to buy or change anything. If your current policy is the right one, we’ll tell you so — the review is a second opinion, not a sales pitch.
My renewal isn’t for a few months — does timing matter?
It’s the best time. Reviewing a few weeks ahead of your expiry date gives us room to compare options properly, without rushing against a deadline.
What do you need from me?
Ideally a copy of your current policy or renewal notice — you can attach it right in the form. If you don’t have it handy, we can start with a few basic details about your home. Reviews are available in English, Punjabi, and Hindi.
Can’t you just email me a quote?
Not accurately — and we won’t pretend otherwise. A renewal notice doesn’t show everything a real comparison needs: rebuild details, updates to your home, the discounts you qualify for. That’s why every review is a 15-minute call with a licensed advisor. You stay in control of the timing — pick a call window, or choose email-first and we’ll only phone at a time you’ve booked.
Renewed year after year. Reviewed even once?
It takes 30 seconds to ask. Free, no pressure — and no surprise calls: you pick the time.
☎ (604) 582-0557 Start my review
Prime Insurance · 150-8888 152A St, Surrey, BC V3R 0V7
Mon–Fri 8:30 AM–9:00 PM · Sat 8:30 AM–6:30 PM · Sun & stat holidays 10:00 AM–5:30 PM