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A Canada Post strike began on September 26, 2025, which may result in delays in the delivery of insurance documents. We encourage you to use our available online tools to manage your policy.

Home Insurance in Campbell River, British Columbia

Everything You Need To Know

Home Insurance in Campbell River: Recommended
Average cost: $1500-$1700 / year
Can Include: Theft Coverage, Fire Coverage, Liability Coverage

Your home in Campbell River is more than just an investment - it's a place where memories are made. All BC homeowners face risks such as severe weather, fires, and theft.  At Western, we can help you protect your home. 

Read on for our answers to Campbell River's most common home insurance questions, how to reduce your home insurance premiums, and what you should know about home insurance in British Columbia.

Same-Day Customized Campbell River Home Insurance


We save you time and money by comparing insurance quotes across British Columbia to secure the best coverage for you!

How Home Insurance Works In Campbell River, British Columbia

In Campbell River, British Columbia, home insurance is available through multiple insurers. At Western, we help you compare home insurance quotes in Campbell River to find the right package at the best price for you. By working with our insurance brokers, you can easily compare options and find coverage that fits your needs and budget.

Home insurance offers vital protection for your property, belongings, and personal liability, giving you peace of mind against unexpected events. Whether you're purchasing home insurance for the first time or updating your policy, understanding your coverage options will help you make the best choice for your needs.

Understanding Home Insurance in Campbell River – Your Questions Answered

Home insurance in Campbell River is designed to protect one of your most valuable assets, so it’s important to understand how it works. Below, we answer some of the most common questions homeowners in Campbell River and across British Columbia ask about coverage.

Is home insurance mandatory in Campbell River?

Home insurance isn’t legally required in British Columbia. However, if you’re taking out a mortgage, your lender will likely require it. Even without a mortgage, we strongly recommend protecting your property. A typical Campbell River home insurance policy may include:

  • Dwelling coverage for your home’s structure
  • Contents coverage for belongings
  • Liability protection for legal costs if someone is injured on your property
  • Additional living expenses if you need temporary housing due to an insured loss

Optional add-ons include sewer backup, overland flood, and high-value item coverage. An insurance expert can review your needs to ensure your policy fully protects you.

How can I save money on home insurance in Campbell River?

There are several ways to lower your Campbell River home insurance premiums:

  • Bundle home and auto insurance for multi-policy discounts
  • Raise your deductible to reduce monthly costs
  • Install security systems and fire alarms to reduce risk
  • Maintain a claims-free record to qualify for better rates

Western can shop and compare quotes from multiple insurers to find you the best coverage and savings. Learn more about saving on home insurance in 2025

What does Campbell River home insurance cover?

A standard home insurance policy in British Columbia covers your home’s structure, most personal belongings, and your liability as a homeowner. It may also include other structures like sheds, garages, boathouses, or pools. With add-ons, coverage can extend to temporary housing costs if your home becomes unlivable after an insured loss.

See common home insurance exclusions

What type of home insurance do I need in Campbell River?

Most Campbell River homeowners choose comprehensive home insurance for the broadest protection against risks. Other options include:

  • Basic or named perils insurance – covers only specified risks
  • Broad coverage – covers the structure fully, belongings only for named risks
  • Tenant insurance – for renters, protects belongings and liability
  • Condo insurance – covers unit improvements and personal property

Western can help you select the right option based on your property type, lifestyle, and risk tolerance.

Does home insurance cover a home-based business?

Standard home insurance in Campbell River does not typically cover a business you run from home, though it may include a home office if you work remotely. If you operate a business from home, you may need:

  • Business property coverage for equipment
  • Liability insurance for clients visiting your home
  • Business interruption coverage to protect income

Some insurers offer home-based business endorsements, but larger operations often require a commercial policy.

Are contents included in Campbell River home insurance?

When setting up your policy, your insurance broker will ask about your belongings and their value. Be as detailed as possible to make sure they’re fully covered. Contents coverage protects personal belongings such as furniture, electronics, and clothing against risks like theft, fire, and water damage. Basic policies may only cover the structure, while comprehensive policies include both dwelling and contents coverage.

Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia

Standard Home Insurance Coverage in Campbell River, BC

Dwelling Coverage

Pays to repair or rebuild your Campbell River home if it’s damaged by an insured event such as fire, storm, or vandalism.

Personal Belongings (Contents) Coverage

Protects your belongings—furniture, clothing, electronics, and more—if they are stolen, damaged, or destroyed.

Liability Coverage

Provides financial protection if someone is injured on your property or if you accidentally cause damage to another person’s property.

Additional Living Expenses (ALE)

Covers temporary housing, food, and other necessary expenses if your Campbell River home becomes unlivable after an insured loss.

Detached Structures Coverage

Extends protection to structures on your property that are separate from the main home, such as garages, sheds, or fences.

Learn more about what home insurance covers

Optional Add-Ons for Extra Protection

You can customize your Campbell River home insurance policy with optional coverage such as:

  • Sewer Backup Coverage – Protects against damage from sewer or sump pump backups.
  • Overland Flood Coverage – Covers damage from freshwater flooding caused by heavy rainfall or river overflow.
  • Earthquake Coverage – Coastal BC is prone to earthquakes; this add-on provides protection against earthquake-related damage.
  • Increased Jewelry or Valuables Coverage – Ensures high-value belongings like jewelry, art, or collectibles are fully insured.

What is the average cost of home insurance in Campbell River, British Columbia?

The average annual cost of home insurance in British Columbia ranges between $800-$1500 according to our local experts, but this can vary widely based on factors like the size and location of your home, the age of your home, whether the area is prone to natural disasters, your security or energy efficiency upgrades, and proximity to the nearest fire station.

In British Columbia, private home insurance companies compete for your trust. Western's Insurance Brokers can help you compare rates from multiple home insurance providers in Campbell River to find the best deal for your specific needs.

Homeowners in Campbell River are also asking:

If you’re a renter or homeowner, you can bundle your property insurance with any private add-on car insurance to get a discount. We can help you bundle different insurance products to get the best possible rate! You can also save on home insurance by making sure your home is upgraded with safety and energy efficiency features.

It's a good idea to compare home insurance policies from different providers to find a great deal. As an insurance brokerage, we're experts in comparing quotes across British Columbia to find the best possible rate for your specific needs.

Always be honest about all of the features in and around your home to get full coverage on all of your belongings and protect your future finances against any fires or unwelcome suprises.

To apply for home insurance in British Columbia, be sure to have these details on hand:

  1. Property details – Home type, size, age, construction materials, outbuildings or water features, and security features.
  2. Usage information – Primary residence, rental, or home-based business.
  3. Coverage needs – Desired coverage for dwelling, contents, liability, and optional add-ons. An expert can help you with these details.
  4. Insurance history – Past claims and previous coverage information.
  5. Mortgage lender details – If applicable, for proof of coverage.

Providing accurate details ensures the right coverage and best rates.

Trust the experts! Home insurance can be complicated. As insurance brokers, we get to know your unique situation and then search across Canadian providers for the best insurance package.

When you apply for home insurance quotes, our brokers typically ask about:

  1. Property details – Year built, size, construction materials, roof type, and renovations.
  2. Usage & occupancy – Primary residence, rental, seasonal home, or vacant property.
  3. Security & safety – Smoke alarms, security systems, fire extinguishers, or sump pumps.
  4. Claims history – Past insurance claims and coverage history.
  5. Coverage needs – Desired dwelling, contents, and liability coverage, plus add-ons (e.g., flood, sewer backup).
  6. Mortgage details – Lender information if you have a mortgage.
  7. Special items – High-value belongings like jewelry, art, or collectibles needing extra coverage.

Try to be as accurate as possible with the info you provide. Accurate answers help us compare quotes across different local and national insurance providers to get quotes for the right coverage at the right price for your specific situation.

Yes, you do pay GST on home insurance in BC. Home insurance is considered a taxable service at a rate of 5%. Let us know if you have any questions about how this works!

Not all insurers in British Columbia offer tiny home insurance, but some do. We can help you shop around for the best coverage. 

Depending on the kind of tiny home you have, the insurance you choose will differ. For example, some tiny homes on wheels may be eligible for RV insurance, whereas a tiny home on a set foundation would be treated like a small home, apartment, or add-on property structure, depending on the location of the home. Tiny home insurance is usually cheaper than regular home insurance, depending on the size and location of the setup. 

Coverage Types: Like traditional home insurance, tiny home insurance typically includes:

  • Property insurance for the structure.
  • Liability insurance in case someone gets injured on your property.
  • Personal property coverage to protect belongings inside the home.

Important - Always Adhere To Building Codes & Regulations: If your tiny home is on a foundation, make sure it complies with local building codes and zoning regulations in your municipality. If it doesn't, you may have a harder time getting insurance or full coverage. 

The cost of insurance for an apartment in British Columbia (BC) does vary, but on average, renters  pay between $15 to $30 per month for tenant or renters insurance. For a condo owner, the cost is typically between $30 to $75 per month for condo insurance.

Where you live will affect the cost of your home/apartment/condo insurance. For example, people living in Vancouver have higher premiums due to higher cost of living and the need for earthquake/flooding coverage. Several other factors can affect the cost of your insurance as well, from personal factors like your credit score or claims history, to location-specific factors like the age and quality of the building. 

In British Columbia, most standard home insurance policies cover fire damage, including wildfires. However, coverage for natural disasters can vary widely. depending on your policy and provider. We can help review your policy or quotes and make sure you have the right coverage. 

Here's more information:

Typically Covered:

Fire and Wildfires – Most policies include coverage for fire-related damage, including smoke and water damage caused by firefighting efforts.
Lightning – Damage from lightning strikes is usually covered.
Wind and Hail – Strong winds, tornadoes, and hail damage are commonly included.

Is Your Home Protected Against Severe Weather?

May Require Additional Coverage:

Flooding (Overland Water Insurance) – Standard policies do not cover flood damage from overflowing rivers, lakes, or heavy rain. Overland water coverage is an optional add-on.
Earthquakes & Landslides – Typically not covered by default but can be added as an endorsement.
Sewer Backup – Damage caused by backed-up sewers or sump pump failure often requires separate coverage.

What to Check in Your Policy:

  • Review your policy wording and exclusions to see what is covered.
  • Check if you need extra coverage for floods, earthquakes, or sewer backups.
  • Speak to an insurance expert for more advice or to better understand your policy.

Home insurance in British Columbia may cover water leaks, but it usuallydepends on the cause of the leak and what's agreed on in your policy. Here’s a breakdown:

Covered Water Damage:

Sudden & Accidental Leaks – If a pipe bursts unexpectedly or an appliance (like a dishwasher) leaks due to a sudden malfunction, your policy will usually cover the damage.
Plumbing Failures – If a maintained plumbing system fails, coverage typically applies.
Fire-Related Water Damage – Water damage from firefighting efforts is generally covered.

Does My Home Insurance Cover a Burst Pipe?

Not Typically Covered (Requires Extra Coverage):

Gradual Leaks & Neglect – If a leak occurs over time due to wear and tear, rust, or lack of maintenance, it’s usually not covered.
Sewer Backup – If water or sewage backs up into your home through pipes or drains, you’ll need sewer backup coverage (usually an optional add-on).
Overland Flooding – When water enters your home due to overflowing rivers, heavy rain, or melting snow, you would typically need overland water coverage (an optional add-on).

How to Protect Yourself:

  • Regular Maintenance: Inspect plumbing, appliances, and the roof to prevent leaks. Get a professional to make any updates. 
  • Upgrade Your Policy: Consider adding sewer backup and overland water protection.
  • Act Quickly: If you discover a leak, shut off the water, document the damage, and contact your insurer ASAP.

Home insurance in British Columbia is usually fairly comprehensive, but there are some common exclusions that may not be covered under a standard policy. Here’s what home insurance typically does not cover unless you purchase additional coverage:

1. Gradual or Preventable Damage

Wear and Tear – Normal aging of your home (e.g., roof deterioration, old pipes) is not covered.
Mould & Rot – Damage caused by long-term moisture buildup or neglect is excluded. It's a good idea to get a professional inspection done when purchasing a home to avoid paying for this out of pocket.
Pest Infestations – Damage from termites, rodents, or other pests is usually not covered.

2. Water-Related Exclusions

Flooding (Overland Water Damage) – Water entering from overflowing rivers, heavy rain, or melting snow is typically not covered unless you add overland water protection.
Sewer Backup – Damage from backed-up sewage or drains requires sewer backup coverage (an optional add-on).
Gradual Leaks – Long-term leaks from appliances or pipes due to lack of maintenance are not covered.

3. Natural Disasters & Weather Risks

Earthquakes & Landslides – Standard policies in BC don’t cover earthquake damage, but you can buy an earthquake endorsement.
Landslides & Sinkholes – Damage from shifting land is usually excluded.
Wildfires (If Home Is in a High-Risk Area) – Most policies do cover wildfires, but if you live in a particularly wildfire-prone zone, there may be restrictions. Carefully check your policy with an insurance expert to make sure you're fully covered in case of emergency. 

4. High-Value & Specialty Items

Jewelry, Art, and Collectibles – Standard policies have limits; you may need a rider or endorsement for expensive valuables.
Business Property at Home – If you run a business from home, work equipment may not be covered unless you have business insurance. However, basic home insurance would likely cover a laptop or desk.

5. Other Common Exclusions

Illegal Activity – Damage resulting from illegal acts on your part is not covered.
Vacant Homes – If your home is unoccupied for a long period (typically 30-60 days), certain coverages may be void unless you notify your insurer. Always let your insurer know if you're planning a sabbatical or extended vacation!
Acts of War & Terrorism – Damage from war, nuclear incidents, or terrorism is typically excluded.

How to Protect Yourself:

Review your policy with an insurance expert to understand what is and isn’t covered
Consider add-ons for extra protection (e.g., flood, sewer backup, or earthquake coverage).
Perform regular home maintenance to prevent avoidable damage.

Work with an insurance broker like Western Financial Group to compare insurance quotes from different home insurance providers that serve British Columba. This is the best way to find the right insurance for your specific needs and price point, with the knowledge that you have support if you ever need to file a claim.

Yes, in British Columbia, insurance is mandatory for all RVs that are driven on public roads. You may not need insurance for a permanently stationary RV. For any driven vehicle, insurance is required under BC's Motor Vehicle Act, and valid basic insurance is available through the Insurance Corporation of British Columbia (ICBC). If you're only using the RV seasonally or part-time and storing it securely in the winter, it's possible to choose a temporary or seasonal insurance policy.

Travel Trailers (which are towed) can be insured through private Canadian insurers, and while basic insurance isn't mandatory, it's still worth considering coverage for liability, collision, or comprehensive protection to protect your trailer.

To find you the best home insurance rates in British Columbia, we'll need to take into account your specific situation - your location, the type of property, your claims history, and the level of coverage you need. It's not as simple as picking one well-rated provider, which is why we can help you compare quotes from providers all across BC to find the perfect coverage at the best price. We'll also be there to help you navigate a claim whenever needed. 

How to Reduce Your Home Insurance Premiums in Campbell River

Upgrade your home security system

You can lower your Campbell River home insurance premiums by reducing theft and fire risks. Insurers often provide discounts for monitored alarm systems, cameras, smart locks, and smoke detectors. Professionally monitored systems usually qualify for larger savings than DIY setups.

Bundle your car and home insurance

In BC, basic car insurance is provided through ICBC, but optional auto coverages from private insurers can be bundled with your home insurance in Campbell River to save money. Bundling may provide multi-policy discounts, deductible reductions, and simplified policy management.

Learn more about saving with bundles

Raise your deductible

Choosing a higher deductible can reduce your monthly premium, but it also means paying more out of pocket if you file a claim. The key is to find the right balance for your budget—Western’s advisors can help you review your options.

Make energy-efficient upgrades

Improving your home’s efficiency can cut insurance costs by reducing fire and water risks. Features like updated wiring, efficient heating systems, and better insulation lower the chance of damage. Some insurers also offer green home discounts for eco-friendly upgrades such as solar panels and ENERGY STAR appliances.

Protect against floods and sewer backup

Water damage is one of the most expensive claims for Campbell River homeowners. Installing backflow valves, sump pumps, and flood barriers reduces your risk and may qualify you for discounts. Proactive upgrades show insurers you’re taking steps to prevent costly losses.

Consider a yearly payment plan

Paying your home insurance annually—or for multiple years upfront—can lower costs by avoiding monthly service charges. Many insurers also offer discounts for upfront payments. Western can help you compare payment options to see what works best for your situation.

Talk to a local insurance expert

Western’s brokers understand home insurance in Campbell River and know how to find the right mix of coverage and savings. We compare policies from multiple insurers to make sure you get the best value for your unique needs. Talk to an insurance expert today to start saving on your premiums.

Save more when you bundle your car and home insurance.

If you choose optional car insurance add-ons from private insurers in Campbell River, you may be able to bundle these policies with your home insurance for extra savings. This is an easy way to cut costs without cutting coverage! 

Why Western Financial Group is Canada's Best Insurance Broker

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Countless insurance options and complex terms getting you down? That’s where we come in.

Our experts quickly scan trusted options across British Columbia to build customized insurance packages tailored to your specific needs. 

We take the stress out of finding your ideal insurance, providing clear comparisons, expert guidance, and a quality guarantee, so you can get the best coverage in Canada at the speed of light. 

 

Broker Information

Campbell River

Reviews: 4.8

Contact Branch
250-287-2201
CampbellRiver@westernfg.ca

Location
465 Merecroft Rd Unit B5A, Campbell River, BC V9W 6K6

Hours

Mon-Sat: 9:00am - 5:00pm
Sun: Closed