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.

Renters insurance abbotsford


Covers your home, your contents, and your family.

Renters insurance abbotsford


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

Renters insurance abbotsford


Covers your property and interior of your condominium or townhouse.

Home insurance Langley


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.

Tenant Insurance Langley


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

Home insurance Langley


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 Vancouver 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.
Cloverdale tenant insurance


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.

Gain Peace of Mind by Acquiring Home Insurance in Vancouver

Your home is your biggest asset, and you should do everything in your power to protect it from any damage. There are numerous instances where homeowners have lost everything in a fire hazard or a natural disaster. You never want to leave things to chance, as tragedy can occur at any moment, and you may end up losing the roof over your head. The best option for you would be to acquire home insurance in Vancouver so that you are safe from all kinds of tragedies.


At AMC Insurance, we believe in providing homeowners in Vancouver with peace of mind by ensuring their most valuable asset is protected from any disaster. Our insurance professionals will sit down with you and offer you the most affordable insurance policy for your home. We have been in the business for a long time and can help clients with tenants insurance in Vancouver and condo insurance in Vancouver.


The Best Insurance Policies for Homeowners in Vancouver


You must acquire a suitable home insurance policy in Vancouver because you never know when an accident occurs, and you have to cover the costs of damage to your home. When you have home insurance in Vancouver, you can sleep peacefully with the knowledge that you are protected from all tragedies and disasters athome. At AMC Insurance, we know how important it is to help homeowners with the best condo insurance in Vancouver.


We even offer tenants insurance in Vancouver because we believe in helping provide people with the best coverage for their properties. The costs of repairing your home after a fire, flood, or a natural disaster can be excessive, and you don’t want it all to come out of your pocket. That’s the reason why home insurance in Vancouver is such a necessity. You achieve peace of mind and know that your bank account won’t be drained if a disaster occurs.


Protect Your Home with the Right Coverage


At AMC Insurance, our agents will sit down and explain all the features of your policy. We want to ensure that you make the best decision for your home and are covered from all accidents. That is why we are the first choice of so many homeowners when looking for home insurance in Vancouver. Our goal is to provide the right coverage to homeowners and help them cover the costs of damage so that their homes can be repaired quickly after an accident or natural disaster.

Have a question?

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