High Risk Home Insurance British Columbia
For Soaring Rebuild Costs & More
Insurely protects your property when other insurers walk away. If you live in British Columbia, you know insurance companies tend to raise premiums, increase deductibles, or stop offering coverage entirely. But Insurely’s high-risk home insurance British Columbia doesn’t leave you stranded. It’s built to cover real disasters in BC, and when the worst happens, we pay fast. Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
Stronger Coverage For Extreme BC Risks
Water & Sewer Backup
No more surprise bills when flooding hits Kelowna basements after spring thaw.
Wind, Hail & Storm Damage
Protect your siding and roof from coastal gales on Vancouver Island or Fraser Valley storms.
Fire Coverage
BC’s 2023 wildfires caused $720M in insured damage. This ensures your rebuild gets paid.
Additional Living Expenses
If your house becomes unlivable in Kamloops or elsewhere, we cover meals and a temporary stay.
Service Line Protection
Burst underground pipes in Richmond? We foot the repair bills.
Liability & Voluntary Medical Payments
If someone gets hurt at your home in Surrey, you’re covered for legal or medical costs.
Personal Property & Theft
From West Vancouver condos to rural interior homes, your electronics, appliances, and furniture stay protected.
Guaranteed Replacement Cost
Reconstruction costs jumped 66% since 2019. Regardless, your rebuild is still covered.
Get Covered Online in Minutes: How It Works
You've likely had enough stressful conversations about your home insurance. Our process is different.
Free Quote in Minutes
Answer a few questions and get a real quote — no phone call required.
Control Policy 24/7
Manage your policy, coverage, and documents anytime online.
Flexible Payment Options
Pay monthly or annually — whatever works for your budget.
Instant Proof of Insurance
Download your pink card or lender letter the moment you're covered.
FAQs
It may carry higher premiums, but you get full access to coverage, liability protection, and guaranteed rebuild costs, so your money’s not wasted.
Yes. A poor credit score or non-payment history doesn’t automatically exclude you from Insurely coverage.
Covered. Water damage from burst pipes, frozen lines, or sewer backups is included.
Yes. Just select vacant home insurance or add it as part of your risk home insurance package.
Insurely doesn’t offer auto insurance, so we don’t have that bundle.
While most insurance companies may penalise for frequent claims, Insurely offers options even if you’ve made multiple claims before.