High Risk Home Insurance Vancouver
Your Home is Now Insurable
Insurely provides high-risk home insurance in Vancouver for your situation. Even if you have been told your home is a high risk, and even if you thought your home couldn’t be insured. We’ll find a way to insure your most valuable asset. When an atmospheric river hits or a tree comes down in a windstorm, you have a real insurance policy that pays to fix the damage. 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.
Here’s What You’re Protected Against
Water Damage
A burst pipe in your old timer, a sewer backup during a storm, or a dishwasher that floods the kitchen. We pay for the covered water damage repairs, so you aren’t left with a huge bill.
Fire, Wind, and Theft
A fire can wipe you out. A winter windstorm can peel the roof off. And theft is a constant worry. If any of these happen, your homeowners’ insurance covers the loss.
Your Personal Property
Covers all your stuff inside the house: your furniture, laptop, clothes, bike. Everything that makes the place yours.
Liability Protection
If a delivery person slips on your steps or a guest falls and gets hurt on your property, they might sue. Here’s your financial shield. It covers the legal costs and liability claims, so you don’t lose your house over an accident.
Additional Living Expenses
Your home gets wrecked by a fire or flood, and you can’t live in it. Your policy pays to rent you a temporary place, pays for your meals, and other costs. It keeps you on your feet.
Guaranteed Replacement Cost
Rebuild your home exactly as it was, even if the total cost is more than your policy limit.
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
No, only your unit and your belongings are. A standard policy does not cover short-term rental business activity. Your tenants need tenant insurance.
Sewer backup covers damage when water comes up from inside your house through the pipes and drains. Overland flood coverage is for when water enters your home from the outside, like from a river or massive rainwater. They are two separate risks and require two separate coverage options.
A bad claims history doesn’t automatically mean you’re uninsurable. While it makes getting standard insurance tough, we specialize in finding home insurance for people in your situation.
Yes. A deductible is the amount of money you pay yourself on a claim before the insurance pays the rest. Choosing a higher deductible—like $5,000 instead of $1,000—usually results in lower premiums because you’re taking on more of the initial risk yourself.
We stick to what we do best: property insurance. This allows us to find great coverage and rates for your home, condo, or rental property. We do not offer auto insurance at this time.
A huge problem. An old, uninspected oil tank is one of the biggest red flags for insurers in British Columbia and could make it almost impossible to get a standard insurance policy.
Your personal condo insurance does not. The strata corporation’s policy covers the common areas. However, if you are found responsible for damage that starts in your unit and spreads to a common area (like a water leak), the strata could sue you or hold you responsible for their policy’s deductible. That’s why you need liability protection.
Homes Insured from North Van to South Surrey
We get homeowners in Vancouver and across Canada the insurance protection they need.
Coverage descriptions on this page are for informational purposes only and not a substitute for insurance advice or your policy's specific terms and exclusions.