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What is Home Insurance?

Home Insurance can protect your home and personal property for losses caused by such perils as Fire, Burglary, Theft, Vandalism, Windstorm, Hail, Falling Objects, and other losses. Home Insurance is required for anyone in British Columbia who has a mortgage on their home or a line of credit secured against your home.

How do I get a quote for Homeowners Insurance?

To obtain an Homeowners quote please Request a Quote or Contact Us. We will contact you within 1 business day.

What does Home Insurance cover?

The majority of Comprehensive Home Insurance Package Policies include all-risk coverage for the following:

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

Optional coverages available include:

  • Sewer/Drain Back-up
  • Earthquake
  • Earthquake Deductible Buyback.
  • Overland Water (Flood)
  • Personal Umbrella Liability
  • Scheduled Personal Items, eg. Jewellery, Artwork, Bicycles, Etc.

Why should I purchase my Home Insurance from AC&D?

AC&D represents over 50 Insurance markets.  In the Insurance Industry we call an Insurance Company’s target market their “appetite”.  Most Insurance companies have a specific appetite that others may not have.  If your broker does not carry a company with an appetite for your risk, you may be paying too much for your Home Insurance.  Representing over 15 Insurance Companies we can ensure you get the full story on your Home Insurance.  Some Insurance Companies also limit coverage for certain items such as Jewellery.  Most Insurance Companies have a limit of $6000 for Jewellery and some have a limit as high as $10,000.  If you have $10,000 in Jewellery and your Broker only offers companies with limits of $6000, you may have difficulty being fully reimbursed for a loss, or you may have to pay extra to schedule this Jewellery separately.

How much does Home Insurance cost?

The cost of Home Insurance depends on many factors such as claims history, age of occupants, age of your dwelling, estimated cost to rebuild your dwelling, coverage enhancements such as earthquake or sewer back-up, amongst other things.  Fortunately with AC&D Insurance we are able to quote your coverage with 20 different Insurance Companies which allows you to choose the right combination of price and coverage.  Please call us for a free no obligation quote on your Home Insurance 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:

Does your driveway slope towards your house?
Cannabis grown at this location:

Business 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