Surrey 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.