Home insurance · Surrey & Fleetwood · Since 1994
Home Insurance in Surrey — From a Family-Owned Fleetwood Brokerage, Since 1994.
4.8★ · 600+ Google Reviews · Read them on Google
If your Surrey home insurance renewal came in higher this year, you’re not imagining it — and you don’t have to just accept it.
The carrier that priced your home two or three years ago often isn’t the most competitive one for it today.
We’re a family-owned independent brokerage two minutes off the highway in Fleetwood, and we shop multiple BC home insurance carriers in one conversation. Bring us your declarations page; we’ll read it line by line in 30 minutes and tell you what’s covered, where the gaps are, and whether the market has a better fit for your home. No obligation. Honest answer either way.
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“It was time to renew our home insurance, however, I realized that our rates had increasing substantially over the years (despite us not having any insurance claims in the past). I started shopping around and a friend recommended Prime Insurance. I reached out to Kuljeet. I had a lot of questions, as I one should when renewing their insurance and Kuljeet gave me detailed responses everytime. For me it’s important to get good customer service and I’d give Kuljeet 5 stars! He provided different options and offered advise that I had not considered and had no knowledge of. He was very patient, and was able to get me great rates! Highly recommended!”
Surrey home insurance, quoted properly.
One brokerage, multiple BC carriers, one conversation. Many straightforward quotes come back the same day; a more complex home may need underwriting review.
Call or email your declarations page
Call 604-582-0557 or send it to info@primeinsurance.ca. We respond the same day — often within the hour during business hours.
We shop the BC market
A real advisor, not a call centre. We read your current policy line by line, flag the coverage gaps, and quote multiple carriers — apples to apples.
You choose. We finish it.
A 30-minute call to walk the options. Paperwork, carrier submission, and email delivery — typically same day.
What actually drives a Surrey home insurance price.
Surrey isn’t one risk — it’s a dozen. The same house gets different prices from different carriers on the same day, and a handful of local factors decide where your number lands.
Water, and which kind. After a heavy Lower Mainland rain, water can come up through your drains — or in over the ground. They’re covered differently. Water backing up through the drains is sewer backup. Water coming in over the ground from rain, snowmelt, or an overflowing watercourse is overland water.
Most Surrey homes carry neither by default; both are optional add-ons. Overland availability varies by postal code, and homes in Cloverdale and parts of the Fraser Valley flood plain may not qualify with domestic carriers. If the mainstream market says no, Lloyd’s syndicates and other specialty markets sometimes write the risk on different terms.
The age of the house. Some of Surrey’s older detached stock — including homes in Newton and parts of South Surrey — dates to the polybutylene (poly-B) plumbing era of 1978 to 1995. These older homes often have knob-and-tube or aluminum wiring, a 60-amp panel, or an old oil tank.
BC carriers are tightening on all of these: some surcharge, some set a replacement deadline, some decline outright. A brokerage with specialty-market access can usually still place the home when a direct writer won’t.
Earthquake. Surrey sits in the Cascadia Subduction Zone. Earthquake is excluded from every standard policy and added as optional coverage, with a percentage-based deductible — typically 10% to 20% of your insured value. On a home insured for $1M, that’s $100,000 to $200,000 before the policy pays. A buy-down endorsement lowers the percentage where it’s available, and availability varies by postal code.
The rebuild number. The figure that drives all of it is your dwelling limit — what it costs to rebuild your home today, with today’s labour and materials. Not your BC Assessment, which is a property-tax figure weighted toward land. Not the market price. The two can be hundreds of thousands of dollars apart — and because a dwelling limit often isn’t reviewed year to year, that gap is one of the most common we find on a Surrey policy.
That’s the local shape of it. For the full mechanics — the four numbers on your declarations page, the BC traps that restrict coverage at claim time, the endorsements, and what’s never covered — see our complete BC home insurance guide.
Worried about water, poly-B, earthquake, or your rebuild number? Find the gap before the next storm — not after. Call 604-582-0557 or send your declarations page for a 30-minute review.
Home insurance across Surrey.
We write home insurance right across Surrey and the surrounding Lower Mainland. The risk changes by neighbourhood:
Fleetwood
Our home turf — the brokerage has sat in Fleetwood since 1994. A mix of established homes and newer builds. Bring your declarations page to the counter and we’ll read it with you — in English, Punjabi, or Hindi.
Guildford
Plenty of townhomes and stratas alongside detached homes. Strata building deductibles and your loss-assessment limit are worth a close look here.
Whalley / City Centre
North Surrey’s dense urban core around Surrey Central — high-rise condo towers, a lot of rented and investor-owned units, and older detached and infill pockets mixed in. Condo unit coverage, strata loss-assessment, and landlord policies come up most here.
Newton
A good share of Surrey’s older detached stock. Roof age, poly-B plumbing, and older electrical come up often — these are exactly the homes we place when other carriers surcharge.
Cloverdale
Closer to the low-lying Fraser Valley than most of Surrey. Overland water availability and sewer-backup limits deserve a close look here, and they vary by postal code.
South Surrey
Higher-value homes and older pockets both. Above roughly $1.5M to rebuild, a dedicated high-value product usually fits better than a standard policy.
Whatever your situation, there’s a policy for it.
Owner-occupied, a condo or strata unit, a rental property, a high-value home, a cabin, a place that’s sitting vacant between owners, or a risk another insurer already declined — most are placeable, and each is a slightly different policy. The 30-second answer is usually clear once we know how the property is structured.
Buying in Surrey and your lender or lawyer needs proof of insurance before closing? Send us the address and closing date. We’ll tell you which carriers will consider the home and what information is still missing.
Not sure which fits? Start with the home insurance hub, or go straight to condo & strata coverage, rented-dwelling insurance for a property you rent out, or high-value home insurance for homes above roughly $1.5M to rebuild.
Why Surrey homeowners call Prime.
Same Fleetwood brokerage since 1994. Same family. Same phone number. Licensed advisors who pick up.
More than thirty years in Surrey — same location, same family, no roll-ups, no private equity.
Real clients, publicly posted, easy to verify. Read them on Google before you call.
Not just one. The same house prices differently from one carrier to the next — we shop the market and show you the options side by side, with the trade-offs.
No call queue, no starting from scratch every renewal. A licensed advisor at our Fleetwood brokerage, by name.
Every coverage, every exclusion, every add-on. If we recommend sewer backup, overland water, or service line coverage, you’ll know why and what each one does.
Full service in English, Punjabi (ਪੰਜਾਬੀ), and Hindi (हिन्दी) — across twelve advisors, talk to whoever you’re most comfortable with.
“I have been getting my car and home insurance from Prime Insurance for the last 5 years and couldn’t be happier. They have made the entire process of renewal of my policies incredibly easy and saved me a significant time. The team has been professional, transparent, and actually took the time to explain my coverage options. Highly recommend them if any one want great service and peace of mind”
What happens in the first 10 minutes when you call.
- Call, email, or come in. 604-582-0557, or walk into 150-8888 152A St. Have your current declarations page handy if you have one.
- We review what you have. Coverage, building limit, deductibles, listed add-ons, claims history, any rental arrangement. We tell you what’s working and what isn’t.
- We quote the market. Multiple carriers, apples to apples. You see the real total with add-ons included — not a headline price that falls apart once you add coverage.
- You choose. We finish it. Paperwork, carrier submission, email delivery. Typically same day if you’re ready.
What to have ready
- Your current declarations page, if you’re renewing or switching
- Your most recent mortgage statement, for the legal description
- Year built and approximate square footage
- Roof age and type
- Heating type — gas furnace, heat pump, electric, or woodstove
- Any renovations in the last ten years
- Claims history, if any
- Whether the property is rented, short-term or long-term
Call 604-582-0557 or email your declarations page to info@primeinsurance.ca.
Surrey home insurance — straight answers.
Does my Surrey home qualify for overland water or flood coverage?
It depends on where you are. Overland water is an optional add-on, and availability varies by postal code. Homes in Cloverdale and parts of the Fraser Valley flood plain may not qualify with domestic carriers; Lloyd’s syndicates and other specialty markets sometimes write the risk on different terms. Sewer backup is a separate add-on again. Most Surrey homes carry neither by default — send us your address and we’ll tell you what’s available.
Can you insure an older Surrey home with poly-B plumbing or knob-and-tube wiring?
Usually, yes. Homes built between 1978 and 1995 often have polybutylene (poly-B) plumbing, and older Surrey stock — including homes in Newton and parts of South Surrey — can also have knob-and-tube or aluminum wiring, a 60-amp panel, or an old oil tank. BC carriers are tightening on these: some surcharge, some set a replacement deadline, some decline. We place these through specialty markets and managing general agents, and where it makes sense we help you chart the path back to the standard market. Bring us any decline letter and the previous declarations page.
How big is the earthquake deductible on a Surrey home?
Surrey sits in the Cascadia Subduction Zone, so this is a real conversation, not a checkbox. Earthquake is excluded from every standard policy and added as optional coverage — usually as an endorsement — with a percentage-based deductible of 10% to 20% of your insured value. On a home insured for $1M, that’s $100,000 to $200,000 before the policy pays. A buy-down endorsement lowers the percentage where it’s available, and availability varies by postal code. We’ll tell you what your Surrey postal code can get.
Why is my Surrey rebuild cost higher than my BC Assessment?
They measure different things. BC Assessment is a property-tax figure weighted toward land value; your dwelling limit is what it costs to rebuild your home today, with current labour and materials. In Surrey the two are often hundreds of thousands of dollars apart, and the dwelling limit is the number that has to be right — we work it out with you line by line.
“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. I would not hesitate to recommend them to anyone and I frequently do. Car, boat, business and house insurance are all under their service umbrella and they work hard to find us the best policy available. Call Kul or Kuljit and their team the next time you need insurance you will not be disappointed.”
Ready to get your Surrey home covered properly?
Bring your declarations page. We’ll read it line by line in 30 minutes, tell you what’s covered and where the gaps are, and either confirm your current policy is the best fit — or show you a better one. Most coverage gaps only surface at claim time; a review catches them before that. No obligation. Honest answer either way.
Prime Insurance 150-8888 152A St, Surrey, BC V3R 0V7 — FleetwoodMon–Fri 8:30am–9:00pm · Sat 8:30am–6:30pm · Sun & Stat Holidays 10:00am–5:30pm
Serving Surrey, Fleetwood, Guildford, Whalley, Newton, Cloverdale, South Surrey, White Rock & the Lower Mainland
English · Punjabi (ਪੰਜਾਬੀ) · Hindi (हिन्दी)
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P.S. Renting your place on Airbnb or VRBO? An undisclosed short-term rental is a coverage problem regardless of carrier — and BC now requires most hosts to register with the provincial short-term rental registry. Call us before the first guest, or now if you’ve already hosted. We can usually fix it — but not after a claim.