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What is Heritage Home Insurance?

Heritage Home Insurance is a very small market.  At this time, we have 3 Insurance Companies offering policies specifically for Heritage Homes.  This is because of the restrictions for rebuilding these homes, often needing specialty materials and permits.  Because of this it is hard to put a proper value on the rebuild cost of a Heritage Home and many Insurance Companies have started shying away from insuring these types of homes.

What does Heritage Home Insurance cover?

Heritage Home Insurance covers all the things that a normal Home Insurance policy would cover such as:

  • Primary Building
  • Detached Structures
  • Personal Property (contents)
  • Additional Living Expenses
  • Personal Liability

Optional coverages available include:

  • By-laws
  • Broad Water Damage
  • Earthquake
  • Earthquake Deductible Buyback
  • Overland Water (Flood)
  • Personal Umbrella Liability
  • Scheduled Personal Items, eg. Jewellery, Artwork, Bicycles, Etc.

Why choose AC&D for my Heritage Home Insurance?

We are sure you will find we are one of the only brokerages in British Columbia able to insure properly Heritage Homes provide the coverages you need. Please Contact Us for a no obligation quote for your Heritage Home or Request a Quote.

Complete as much of this form as you like. If you would prefer to have an application sent by email or speak with a qualified broker directly, please complete the contact information only and click the submit button at the bottom of the form.

Preferred Method of Contact:

This quote request is for detached homes (1 or 2 family).
If you currently have insurance, please provide current insured limit
Do you smoke:
Do you have a monitored burglar alarm?:
Do you have a monitored fire alarm?:
Do you have sprinklers?:
Do you have a mortgage/secured line of credit on the property:
Was your prior policy canceled for non payment:
Have you ever been cancelled, declined, or refused personal insurance:
Kilometers to the nearest Fire Hall:

Is Fire Hall:

Distance to the closest fire hydrant:

Solid Fuel Burning Stoves or Fireplace Inserts in the home:

Do not count fireplaces except inserts
Solid Fuel Burning Units are for:

Oil tanks above or underground:

Dog owner:

Live in employees:

Nannies, caretakers etc.
Short-term rentals of property to others:

Any roomers, boarders, or exchange students living in the home:

Exclude basement & attached garage
Basement Type:

Building Construction Type:

Building Construction Quality:

Building Shape:

# of Full Bathrooms:

# of Half Bathrooms:

Garage Type:

Garage # of Cars:

Crawl Space:

Finished Attic:

Room over Garage:

Swimming Pool:

Hot Tub:

Please describe, including sq ft area(s)
Has the home been completely gutted (new plumbing, wiring)?:

Home listed on any Historic Registry:

Wiring Main Panel Amperage:

Wiring Panel Type:

Wiring Updated:

Wiring Material:

if applicable
Plumbing Types:

Plumbing Updated:

if known
Please advise of oldest installed hot water tank or year of on-demand system installation
Primary Heat:

if applicable
Primary heating system serviced annually:

Primary Roof Material:

Reverse slope driveway:

A reverse slope driveway is one that leads downward from a public street to a parking area, such as a below-grade garage.
Cannabis grown at this location:

aBusiness activities conducted from the unit/dwelling:

If you do not have another primary business location your business is considered to be operated from your home.
Scheduled Jewellery Coverage Required:

Most policies include a limit of coverage for jewellery of $6000 or less subject to the policy deductible. Please advise if additional coverage is required.
Scheduled Bicycles Coverage Required:

Most policies include a limit of coverage for bicycles of $1000 to $2500 per bike (or less) subject to the policy deductible. Please advise if additional coverage is required.
Please use this area to tell us anything else you feel is important
front & back if available
If you want a straight comparison to your current coverage, please upload a copy of your current policy. Feel free to white out premiums, though it is our company policy to provide the best terms available!
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

Mon-Fri: 8:30am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed

InsureBC Squamish

850-1200 Hunter Place

PH: 604-892-1033

Mon-Fri: 9am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed


234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
Sat: 9am - 5pm
Sun & Holidays: Closed