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AMC Insurance Acquires All Risk Insurance Agencies Ltd.
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Surrey Home Insurance

Understanding Your Home Insurance Coverage

We often get asked what is covered by my 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 agent if you have any questions.

We 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 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 for your Home Insurance.
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Understanding Your Home Insurance Coverage

Home Insurance
Surrey Home Insurance

Covers your home, your contents, and your family.

Tenant insurance
Surrey Tenant Insurance

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

Condo insurance
Surrey Condo Insurance
Covers your property and interior of your condominium or townhouse.

Essential Components of Home Insurance

House insurance
The Building

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

Contents Insurance
The Contents

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

Hotel Insurance
Living Expenses

Helps cover expenses that would occur if you have to live away for a period of time, including hotels, meals, storage and more.

Liability insurance
Liability Issues

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 Surrey 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 2o 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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BUNDLE Home AND Auto to SAVE on Insurance

Home Insurance Articles and Resources

Have questions? Browse through our selection of resources from the listed categories. Check back regularly as we will be adding more articles weekly.
Condo Insurance
Tenant Insurance
Rental Property Insurance

Surrey Home Insurance FAQ

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.
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 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

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.
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.

Protect Your Home from Fires and Natural Disasters with Home Insurance in Surrey

Call us now at (604) 373-1257

Your home is your most prized asset, but it is vulnerable to fires and natural disasters. You can never account for accidents, so it is best to be prepared for the worst. You would never want to lose your home in a fire or a natural disaster, but these things can happen. The best advice would be to acquire home insurance in Surrey that will ensure you are able to handle the financial costs of repairing your home from any damage.

Many insurance policies cover your home but finding one suitable for your pocket and one that offers you the best protection can be difficult. At AMC Insurance, we have helped countless homeowners purchase the best home insurance in Surrey. Our insurance agents will sit down and discuss the basic insurance plans and their contents with you. They will answer all your questions about the insurance policy and what coverageis offered in the policy.

Our goal is to ensure that you achieve the peace of mind you crave,to protect your home from fires and natural disasters. We offer multiple policies for home insurance in Surrey, which will cover your building along with any detached structures such as a pool house, shed, or garage.

Best Policies for Home Insurance in Surrey

At AMC Insurance, we know how difficult it can be to shop for the right home insurance in Surrey. That is why we make things simple by working with homeowners to find out what is best for them. Our insurance plans are affordable and provide coverage for the most important items in your household. You never have to worry about protecting your home again when you work with our agents to learn about home insurance in Surrey. That is the reason why we should be your first choice.

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