Home Insurance in BC for Homeowners

A broker helps you choose coverage, completes the application with you, and deals with the insurance company on your behalf. Air1 is a brokerage based in Langley, BC. We help with new policies, renewals and switching, and our claims department guides you if you need to claim.

Condominiums and apartments are part of our home insurance. For condos, read our guide to condo insurance in BC. Our application also lists row homes and mobile homes as dwelling styles. Whether a particular mobile home can be insured depends on its age, condition and the insurer, so call us before you assume.

Air1’s application asks whether a home is a primary residence, seasonal, secondary, rental, vacant, unoccupied or under construction, because each is assessed differently. Tell us how the home is used and we will explain what is available. If you rent the home out, see our landlord insurance checklist.

If you have a mortgage, your policy will usually name your lender as a loss payee, which means a payout for a covered loss can go to the lender up to what you still owe. The application has a mortgage and loss payee section for this. Ask your lender what proof of insurance it needs and when, then contact us early so the policy is in place before you take possession.

Actual cash value pays the replacement cost minus depreciation for age and condition. Replacement value pays what it costs to replace the item with one of similar quality. Air1’s application lets you request replacement cost on contents and guaranteed replacement cost on the building, so ask which applies to your quote. The Financial Consumer Agency of Canada has a short explanation.

It depends on the cause. Sudden and accidental water damage, such as a burst pipe, is often part of a policy. Sewer back-up and overland flood water are often optional extras in BC, and damage from gradual leaks or poor maintenance is usually excluded. The Financial Consumer Agency of Canada notes that floods are usually not covered and may need separate coverage. Our Langley guide explains water damage, sewer back-up and overland water in more detail.

Call us at 604-460-8787 or 1-888-917-1177, request a quote online, or fill in the Home Insurance Application and return it to us. Have your address, year built, estimated replacement cost, recent upgrades, claims from the last five years and your current policy’s expiry date ready.

There is no single price. Cost depends on the home’s replacement cost, age and construction, upgrades to the roof, plumbing, wiring and heating, how the home is used, your claims history, your deductible and the optional coverages you add. Our Langley home insurance guide shows how those factors play out locally, Any home insurance estimate is only a starting point, and a quote based on your own address gives you the real number.

Policies are usually described as named-perils or all-risk. A named-perils policy covers only the events it lists, such as fire or windstorm, while an all-risk policy covers everything unless it is specifically excluded. Broad and comprehensive forms sit at different points on that scale, and the exact wording varies by insurer, so ask us to walk you through the policy you are considering.

Coverage for natural disasters depends on your policy. Speak to our team to ensure you’re protected against specific risks like floods or fires. Earthquake and flood cover are commonly optional extras rather than automatic, so ask us about them by name. Our Langley home insurance guide explains how they work in BC.

Absolutely! We’ll assist with transferring your coverage and ensure you get the best value for your new policy.

Yes, you can enhance your policy with add-ons like green-home extensions, high-value item coverage, or VIP policy features.

Yes, we provide tailored insurance solutions for hobby farms and rural properties.

Bundling policies, maintaining a good credit score, and installing home safety devices can help reduce your premium.

Coverage for natural disasters depends on your policy. Speak to our team to ensure you're protected against specific risks like floods or fires.

Home insurance generally covers your home structure, personal belongings, liability protection, and additional living expenses during repairs.

You can file a claim by contacting our claims department. We'll guide you through the process step-by-step.

Broad policies provide coverage for specific risks, while comprehensive policies offer more extensive protection against a wider range of perils.

Yes, tenants' damages can be covered under specific policies like renters or landlord insurance.