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.

Our Specialized Insurance Brokers Will Shop From All Of Our Insurance Companies To Get You The Best Home Insurance Rate


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.

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Covers your home, your contents, and your family.

Renters insurance abbotsford


Protect your contents and liabilty with coverage for the property you are renting.

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Covers your property and interior of your condominium or townhouse.

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Coverage for your building and any listed detached structures like a garage,  shed, and pool house.

Tenant Insurance Langley


Coverage your belongings, including. clothes. furniture, electronics, and other personal property.

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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.

Cost Factors That Affect the Price of Your Home Insurance 

  • Replacement cost – The cost of rebuilding your home and replacing your contents is the number 1 factor in your insurance cost.
  • Location –If you live in an area that has a higher chance of flooding, wild fires, or illegal activity.
  • Claims history – If you have a history of making claims, the cost of your premium will be higher and stop you from getting a claims free discount.
  • Age of roof – If your roof is older than 20 years, it may be deemed not able to withstand the weather and could increase your premium.
  • Credit Score – Your credit score will be taken into account to determine your insurance rate.
  • Fire Issues – Though most urban homes are close to a fire hydrant, rural homes may be too far to get a discount for being within a specified distance.
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    What are the different types of home insurance that AMC Insurance offers?

    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.

    What does my home insurance policy cover?

    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.

    How is my home insurance premium determined?

    When calculating your premium, various factors are taken into consideration.  Some examples include:

    • The location of your home
    • The age and condition of your home.
    • The number of years you have lived in that home
    • If your home is built for or used by more than one family
    • How your home is heated
    • Proximity to fire-fighting support
    • If you work at home
    • How much protection you want
    • The number of claims you have made in the past
    How can I save on my home insurance?

    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:

    • Evaluate your coverage every year to make sure it reflects the current value and condition of your home, and takes into account major improvements or purchases.
    • Implement preventative measures like an alarm system, main line backwater valves, water sensors, alarmed sump pumps, and tankless water heaters. You should also perform regular maintenance to your plumbing, your electrical and heating systems and your roof.
    • Ask your broker about discounts you may be entitled to – you might qualify for additional discounts if you are mortgage or claims free.
    • Avoid a cancellation penalty by waiting for your renewal date if you want to switch insurance companies.
    • Some coverage options might allow flexibility. Your broker can help you determine precisely the level of coverage you need.
    • Paying your premium annually can help you avoid interest charges or service fees.
    Do you cover water losses?

    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.

    How can I protect my home from water damage?

    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.

    Do I need to advise my insurance broker if I am doing renovations?

    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.

    Is there a fee for getting a BC home insurance quote?

    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.

    What is a Comprehensive Insurance policy?

    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.

    How can I lower the cost of home insurance?

    You can review your policy with a AMC Insurance broker to make sure your coverages are correct and you have all eligible discounts.

    Can I buy home insurance in BC without an alarm?

    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.

    How much does BC home insurance cost?

    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.

    Is home insurance required in BC?

    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.

    Are all home insurance policies in BC the same?

    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.

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