Home insurance that says the earthquake part out loud.

A Lower Mainland home policy is only as good as its optional endorsements. Earthquake, overland flood and sewer backup are all add-ons. We price them for you and tell you which ones your street actually needs.

Before you buy

What this policy does, and what it will not do.

What we write in
✓The building, at the cost to rebuild it today
✓Your contents, at home and temporarily away from home
✓Personal liability if someone is hurt on your property
✓Additional living expenses while your home is repaired
✓Earthquake, flood and sewer backup — when added
What it will not do
✕Earthquake, overland flood or sewer backup unless added
✕Gradual seepage, mould and rot
✕Homes left vacant more than 30 days without notice
✕Business use of the home unless declared
Who this is for

Three ways people hold this policy.

Homeowners
Detached and semi-detached homes, including basement suites.
Condo owners
Your unit, upgrades, contents and the strata deductible.
Tenants
Contents and liability. The building is the landlord’s problem, not yours.
What moves the price

Five things the insurer looks at.

01
Rebuild cost, not market value
02
Age of roof, wiring, plumbing
03
Claims history on the property and on you
04
Distance to a hydrant and fire hall
05
Deductible and optional endorsements
Straight answers

Home Insurance questions we hear most.

All FAQs→

Not by default. Earthquake is an optional endorsement with its own deductible, usually 5 to 15 percent of the dwelling limit.

Yes. The strata covers the building. You cover your contents, upgrades, liability, and the strata deductible that can be charged back to you.

Water that comes up through drains, toilets and sump pumps. It is separate from overland flood, which is water coming in from outside.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.