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Types of coverage we provide
Provides protection against a lawsuit resulting from damaged property or personal injuries.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
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Kelowna is the largest city in British Columbia’s Okanagan Valley. It is a smaller city but boasts all the amenities of big city living; it has a rural yet urban feel. Kelowna is surrounded by a range of mountains and pristine lakes and plays host to many visitors each year who come down to explore the miles of beautiful parkland and sandy beaches. The Okanagan is known for its great wines and vineyards and has a growing food scene. The weather in Kelowna is some of the best in Canada, not as cold or humid conditions as other provinces can experience.
Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting affordable homeowners insurance from the top Canadian home insurance companies to protect the place they live, raise a family and keep their belongings. These are all things that a high-quality, affordable home insurance policy can cover and we can help with that. Teaming up with a reputable insurance brokerage, like Surex, makes it easy to get insurance online and over the phone.
Home Insurance in Kelowna - What You Need to Know
A licensed insurance advisor can offer online insurance quotes for your home in Kelowna. If you contact the insurance broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
Home insurance in Kelowna provides the protection you need no matter what kind of home you have. When you need to make a claim, home insurance will help you keep peace of mind if anything comes up.
Home insurance is not legally required if you’ve paid your house in full, but it is required if you need to secure a mortgage. A bank will not lend you money if you do not have homeowners insurance to protect your one most valuable asset.
The types of home insurance coverage are:
Basic or Named Perils: This is a more economical coverage option that covers your home, contents, and property for perils that are specifically named in your policy.
Broad home insurance: This is seen as the middle ground coverage between comprehensive and basic. It covers your home against all risks (minus exclusions) and coverage for your contents against any named risks.
Comprehensive home insurance: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy).
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