Home Insurance for the Home You Own
Protection for the building, your belongings and your liability — explained clearly, quoted online, and checked by a licensed BlueCouch broker.
Get your quote- A licensed Canadian brokerageWe arrange coverage with insurance companies on your behalf; the insurer issues the policy.
- More than one insurerYour broker can look at options from more than one insurance company, where they are available.
- A real person checks your quoteA broker reviews the details with you before anything starts.
What Home Insurance Can Cover
A standard homeowners policy brings several coverages together. What yours includes, and its limits and exclusions, are set by the insurance company's policy wording.
Damage to Your Home
Repairing or rebuilding the house after an insured loss such as fire, smoke, lightning, wind or many kinds of sudden water damage, up to the policy limit.
Your Belongings
Furniture, clothing, electronics and other contents — at home and, in many policies, while they are temporarily away from it.
Additional Living Expenses
Reasonable extra costs of living somewhere else while an insured loss makes the home unlivable and repairs are made.
Theft and Break-Ins
Stolen belongings and the damage a break-in causes, with sub-limits for items such as jewellery and cash that your policy sets out.
Personal Liability
Claims against you if someone is hurt on your property or you damage someone else's property. Online quotes show $1 million and $2 million options.
A house or a condo?
They are insured differently, so the quote starts by asking which one you own.
House insurance
- The building itself, up to its rebuilding cost
- Detached garages, sheds and fences
- Your belongings and your liability
- Living costs if you have to move out
Condo insurance
- Your belongings and the upgrades in your unit
- Your share of the strata deductible or an assessment
- Your liability, including to other units
- The strata policy covers the building itself
Optional coverages
Coverages worth asking about
Some of the biggest risks to a home are not part of a standard policy. These are added separately.
Overland flood
Water that enters from the outside — heavy rain, rising rivers, snowmelt. Usually an add-on, and availability depends on where the home is.
Sewer backup
Damage when a sewer or storm drain backs up into the home. Often sold together with overland flood.
Earthquake
Damage from an earthquake, with its own percentage deductible. Worth asking about in British Columbia.
Scheduled valuables
Jewellery, art, bikes or collections listed for their full value, beyond the policy's built-in sub-limits.
Identity theft
Help with the costs of restoring your identity after it has been stolen.
Bylaws and building code
The extra cost of rebuilding to today's building code after an insured loss.
Availability, limits and deductibles of optional coverages depend on the insurance company and the address.
Your price
What changes the price of home insurance
Every home is priced on its own details. These are the ones that move the number most.
- 1
What it would cost to rebuild
Home insurance is based on the cost to rebuild the house, not its market value. Size, construction and finishes all count.
- 2
Roof, plumbing, electrical and heating
When these were last updated and what they are made of affect both the price and whether a home can be quoted online.
- 3
Your claims history
Claims in the past few years can raise the price, and two or more may mean a broker needs to review the file.
- 4
Fire protection nearby
How far the home is from a fire hydrant and a fire hall affects the risk an insurer sees.
- 5
The deductible and limits you pick
A higher deductible usually lowers the premium; a higher liability limit raises it a little.
- 6
Where the home is
Local risks such as flood zones, wildfire areas or break-in rates are part of every price.
Compare Your Options with Help
Our AI agent, Kylie, guides you through the questions, and a licensed broker reviews the quote with you.
Get your quote
BlueCouch
How BlueCouch helps
Quote online
For a home in British Columbia, Alberta or Ontario. In BC you see an estimated price right away; in Alberta and Ontario a broker sends your quote.
Kylie, our AI assistant
Explains questions and terms as you go, so you know what you are answering.
Licensed brokers
Review your quote with you, explain the coverage and put the policy in place.
Renewal reviews
Before your policy renews, a broker can look at whether the coverage still fits.
Help with claims
We help you report a claim and stay with you while the insurance company handles it.
Real support
Call, email or chat with us when you need to change something on your policy.
How It Works
Protect your home and your stuff in just a few (really) easy steps
- 1
Fill Out a Quick Questionnaire
Fill out a short questionnaire. We just need to know a few things about your home. Our AI agent, Kylie, will hold your hand through the process and answer questions along the way.
- 2
Review Your Options
Kylie will show you the insurance rate options for your home. You can look at the coverage in each option before you decide.
- 3
Talk to a Broker
Leave your contact details with your quote. A licensed BlueCouch broker reviews it with you, answers your questions and helps you put the coverage in place.
Testimonials
Why Canadians Choose BlueCouch
Peyman Gazor
Had a great experience with the Bluecouch team. Was able to secure a very competitively priced home owner’s insurance. The process from start to finish was seamless.
Sarv Jahankhani
Highly recommend. Simple and transparent process to get a quote and coverage for our home insurance from a very reliable insurance company. It took 5 minutes to get coverage and there was a lot support for when I had specific questions.
Farouk Esmail
I switched over to purchasing home insurance online. I was amazed with how easy it was on BlueCouch. The rate I got was also lower than what I normally pay.
Questions
Home insurance questions
Is home insurance mandatory in BC?
No law requires it, but almost every mortgage lender does, and without it you would pay for rebuilding and any liability claims yourself.
How much home insurance do I need?
Enough to rebuild the house at today's prices, plus enough contents and liability coverage for your situation. The quote uses building data for the address to estimate the rebuilding cost, and your broker can adjust it.
Are overland flood and earthquake included?
Usually not. They are optional coverages, and whether they are available — and at what limit — depends on the insurance company and the address. Your broker can go over them with you.
Do you insure condos too?
Yes. Condo insurance works differently because the building is insured by the strata; choose Condo when you start your quote.
Why do you ask about my roof, plumbing and electrical?
Insurers price and accept homes partly on the age and type of these systems. Older systems can change the price or mean a broker needs to look at the file first.
Is the price I see online final?
It is an estimate based on your answers. A licensed broker confirms the details and the final price with you before any coverage starts.
Can I buy the policy online?
No. The website stops at the quote. A broker contacts you to review it and put the policy in place, so nothing is bound or paid online.
Where are online quotes available?
You can start a quote online for a home in British Columbia, Alberta or Ontario. In British Columbia you see an estimated price right away; in Alberta and Ontario a licensed broker sends you the quote after you answer the questions. For a property elsewhere in Canada, call us at (855) 316-3237.
Guides
Read more about home insurance
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