Home insurance.

Vancity offers home insurance through:

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House insurance

House insurance

Condo insurance Tenant insurance

What does house insurance cover?

House insurance may cover your building, personal contents, additional living expenses and many other things. It can be tailored to fit your needs and location. Here are some of the things that a policy could include:

Building(s) and personal contents

Costs to repair, rebuild or replace both your building structures and belongings in the event of sudden and accidental loss by an insured peril such as fire, burglary, water damage, theft and other perils.

Natural disasters

Protection for losses due to forest fires, floods, windstorms, hail and earthquakes. With the increase of natural disasters due to climate change, it’s more important than ever to consider coverage available to your area.

Liability coverage

Covers you for legal fees and damages due to accidental damage to other people's property or unintentional injury to others you cause anywhere in the world and that arises out of your personal actions.

Additional living expenses

Provides for temporary accommodation if you are unable to stay in your home due to damage that is covered by your policy.

Home business equipment

You can extend home insurance to cover items related to your home or freelance business.

Possessions in your car

Coverage for personal possessions stolen or damaged in a car or trunk break-in.

What your insurance covers, how much it covers and what deductibles you will pay are important to discuss. Connect with a specialist to find out what a tailored policy would look like for you.

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Why use an insurance brokerage?

Squamish Insurance, a Vancity company, is an insurance brokerage. To use their services, you don’t have to have your mortgage with Vancity and you don’t have to live in Squamish! Here are the benefits of choosing Squamish Insurance as your broker:

Multiple quotes in one place

A brokerage is different because Squamish Insurance reaches out to multiple insurance providers to find your match. They compare options from leading Canadian insurance markets to get you value and the coverage you need.

Completely online

From submitting forms, to virtual meetings and e-signatures, the entire process can be completed online from anywhere.

Trusted advisor

Squamish Insurance provides advice specific to your situation, and will work with you if you have an insurance claim. They can answer any questions you have about what is and isn't covered in your insurance policy.

Find out how much your home or tenant insurance could cost by getting a quote.

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How much house insurance do I need?

Exactly how much you need will depend on a few factors. To provide you with recommendations, Squamish Insurance needs to get to know you. Here are some of the typical things they'll discuss with you in a consultation:

Cost to rebuild.

Your house insurance helps you recover financially when your house is damaged. How much insurance you need is based on a rebuild estimate, so it’s important to ensure that it is a fair representation. To calculate the rebuilding cost, Squamish Insurance will need details about your home. The rebuild cost will affect your premiums.

By default, contents insurance is usually 80% of the value of the building.

Contents coverage limits.

Special limits may apply to certain types of contents such as jewelry, bikes or business property. You can customize your policy to include higher limits of coverage.

Share your special requests and Squamish Insurance can help by finding and reviewing providers who can include what you need.


A deductible is the payment required in the event of a claim. For example, if your home insurance policy has a $1,000 deductible and your home is broken into, and $10,000 worth of personal belongings covered by the policy are stolen, you are responsible for paying the first $1,000. Your insurance policy covers the rest. The higher your policy deductible, the lower your premium. Squamish Insurance can help you to determine deductible amounts that are right for you.

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How to get home insurance.

If you’re buying a new home, the best time to start the process is once you have put down an offer.

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Connect with Squamish Insurance and they'll ask you to provide some information about your home. They'll use this information when connecting with insurance providers to find plans that meet your needs for coverage and costs.

For examples of questions that will be asked, review Squamish Insurance application's forms:

Customize your coverage

If there are particular items you are concerned about, Squamish Insurance will discuss them with you and adjust your limits and deductibles, if required.

Review and sign, all online

Squamish Insurance will go over your policy options together, setup payment schedules, and finalize any details over a call, virtual meeting, or e-mail.

Get a home insurance quote