We often get asked what is covered by my home insurance, Take a quick look below for a simplified look at the coverage. All policies are different and there are other types of coverage that you can get separately like earthquake insurance. Speak to an experienced insurance broker if you have any questions about homeowner insurance.
Your house is one of your most valuable assets. Our home insurance experts are committed to working with you to design a policy that works for you. As we represent Canada’s largest and most financially stable insurance companies, we are able to secure competitive rates without compromising coverage, giving you the peace of mind you deserve. Choose AMC as your Home Insurance Broker.
Covers your home, your contents, and your family.
Protect your contents and liabilty with coverage for the property you are renting.
Covers your property and interior of your condominium or townhouse.
Coverage for your building and any listed detached structures like a garage, shed, and pool house.
Coverage your belongings, including. clothes. furniture, electronics, and other personal property.
Helps cover expenses that would occur if you have to live away for a period of time, including hotels, meals, storage and more.
Protect you financially from accidents that causes bodily injuries or property damage to others while they’re on your property.
AMC Insurance offers insurance for your house, condo, apartment, cottage, home-based business and rented dwellings. We can also cover identity theft and offer liability insurance. Read more about home insurance.
AMC Insurance offers tailored home insurance coverage to fit your lifestyle, so you can choose exactly what you want covered: your home, its contents, or yourself. Visit our home insurance section to learn more, or if you have specific questions about your coverage, contact us.
When calculating your premium, various factors are taken into consideration. Some examples include:
The premium you pay is determined by different factors. The good news is, there are actions you can take to reduce your premium and simultaneously protect your home:
We do! In fact, our extensive water damage coverage allows you to customize your insurance policy in the event that water enters your home. Availability depends on each individual situation, please consult us for more information.
If you are worried about water damage, then our extensive water damage coverage is for you: sewer backup, water and sewer lines, overland water and ground water can all be part of the coverage you can customize based on your needs.
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.
There is no charge for a quote for BC home insurance from AMC 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.
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. AMC offers comprehensive insurance coverage for house insurance, condo insurance and tenant insurance.
You can review your policy with a AMC Insurance broker to make sure your coverages are correct and you have all eligible discounts.
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 AMC Insurance broker for details.
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.
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.
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.