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Best ICBC renewal, business insurance, and home insurance in 100 Mile House, BC

Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, boat insurance, or life insurance, we are your trusted local experts in 100 Mile House, BC, with over 100 years of experience.

As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates— insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

Contact us today for a FREE quote and protect what matters most!

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Why Choose Western

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Your local Canadian insurance broker in 100 Mile House, BC.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Boat Insurance – Stay protected while enjoying life on the water.
  4. Business Insurance – Safeguard your business operations with tailored policies.
  5. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  6. Life Insurance – Plan for the future and protect your family’s financial security.

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

Proudly Supporting the 100 Mile House Community

The town of 100 Mile House in central British Columbia supports over 1,890 residents and has its origins in the 19th century gold rush. This community serves South Cariboo region and is known for its lakes.

As your 100 Mile House insurance brokers, we offer car and truck insurance, home insurance, business insurance, farm insurance and life insurance. We have access to many other superior products.

We’ve donated over $17,000 to the Canadian Mental Health Association, Cariboo Search and Rescue, Cariboo Family Enrichment Centre etc. via our Western Communities Foundation.

Don’t miss 108 Mile Ranch Heritage Site, Moose Valley Provincial Park, Flat Lake Provincial Park, 100 Mile Marsh — birding experts rejoice — Centennial Park and the world’s tallest cross-country skis.

Look no further if you’re needing car and truck insurance, home insurance and business insurance. Let our experts be your trusted source for farm insurance and life insurance.

We are dedicated to helping you find the right insurance in 100 Mile House, British Columbia.

At Western’s 100 Mile House brokerage, we have competitive rates and outstanding customer service. We’ll listen to your concerns and customize a policy that fits your needs.

Living in 100 Mile House? Here's Everything You Need To Know About...

Comparing Insurance Options Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.

Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!

What do I need to know about car insurance in 100 Mile House, B.C?

It’s mandatory for all drivers to purchase car insurance from ICBC to help ensure that they are protected with a basic level of coverage.

Basic autoplan insurance for ICBC includes $200,000 in third-party liability coverage. Third-party liability helps protect you in cases such as non-vehicle property damage or driving out of province, and it can protect you in situations where the law permits the other driver to sue.

If you make a third-party liability claim against the person who's responsible for a car crash and they don't have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you. Basic underinsured motorist protection covers you and members of your household for claims of up to $1 million per insured person.

If you want to increase the amount of coverage you have in the event, you're responsible for a crash, you may want to consider extended third-party liability coverage, an optional Autoplan coverage.

5 Things to Know About ICBC Coverage for Occasional Drivers

What do I need to know about home insurance in 100 Mile House, B.C?

Home insurance isn't mandatory in British Columbia, but most banks or mortgage lenders will require you to purchase home insurance coverage if you have mortgage.

Home insurance helps you protect against:  Theft,  Fire, Third- party “slip and fall” accidents, Vandalism.

You may want to consider adding earthquake coverage to your home insurance policy to protect you should your home suffer catastrophic damage in an earthquake. Every earthquake insurance policy is different, but typically includes three types of earthquake coverage.

  • Dwelling coverage helps cover the cost of repairing or rebuilding your home.
  • Personal property coverage helps replace personal property like electronics and furniture.
  • Loss-of-use coverage helps cover additional living expenses if you must move out while your home is rebuilt or repaired.

Top 5 Things to Know About Renewing ICBC Car Insurance

What do I need to know about boat insurance in 100 Mile House, B.C.?

When you get BC boat insurance, it protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items.

Without marine insurance in British Columbia, you will be responsible for paying out of pocket for any lawsuits or legal fees, damages to another person’s boat, and uninsured medical costs. While boat insurance isn’t legally required in B.C., can you afford to be without it?

Your lender may require that your B.C. boat has insurance and many marinas require liability insurance for mooring and docking.

How much boat liability insurance is needed in British Columbia?

It’s recommended that you have $3 million or more in boat liability insurance coverage as part of your marine insurance policy to protect yourself as a B.C. boat owner. It helps cover such things as legal fees and uninsured medical bills, which can be expensive without boat insurance.

What are the 3 main types of boat insurance in British Columbia?

Liability insurance

Liability insurance helps financially protect you if you are responsible for causing injury or death to others or damaging someone else’s property while operating your B.C. boat. It’s designed to protect you against lawsuits related to incidents for which you are legally responsible when operating your boat. $3 million is the recommended amount of liability insurance.

All-risk B.C. boat insurance

All-risk marine insurance provides broad protection for your B.C. boat by covering any loss or damage unless it’s specifically excluded your boat insurance policy. This makes it the most comprehensive type of coverage available for recreational boats.

Hull and machinery (Property/Collision Coverage)

Hull and machinery insurance protects against physical damage to your B.C. boat, including collision with other boats or objects, and may also cover equipment attached to the boat.

Your Trusted Insurance Broker in 100 Mile House, BC

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2024-04-17

Had a grand ole time at the insurance office which is not typically the case. Katie Larson was incredibly knowledgeable and helpful in getting me set up and comes with high recommendation. Will be returning, thank you.

Matthew Elliott
100 Mile House - BC

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2024-02-22

After several offensive experiences with 2 employees at a local competitor (who'd handled our business over the past 7 years), I asked a friend for a referral elsewhere. She sent us to the 100 Mile House WFG office. It was for a not-every-day type of transfer (2 vehicles from business to personal) and had taken us much effort, (calls/emails with a gov't office) to get everything done. Finally, I felt confident all details were ready before we entered the WFG office - YEAH!!! However, we had not looked at the TIME; it was close to the end of their day. Long story short, Katie & Dawn ensured the detailed forms I handed over were 100% complete & correct, even lending tools to remove the old plates from the vehicles. Before long, I noticed the time and it was now 15 min after closing!!! I felt terrible, apologized profusely and both ladies carried on with smiles and good humour. They were consistently friendly, helpful, answered questions, very knowledgeable and professional from start to finish (about 30 min past closing - YIKES). Several other co-workers were kind as well - nobody made us feel badly. Their team understands how important good ol' fashion Customer Service is STILL very much a critical part of who gets business and who doesn't! THANK YOU ALL - we'll be back for travel and home insurance.

Mary Carson Ford
100 Mile House - BC

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2024-02-22

Top notch customer service. In a world where customer service is falling apart WFG is a shining star in a world where customer service needs to be much better than it is. We had a complex situation with two vehicles that kept staff past closing time and no one made us feel that we were a bother to help. Kudos

Raymond Ford
100 Mile House - BC

 

Broker Information

100 Mile House, BC

Reviews: 4.7

Contact Branch
250-395-2424
100MileHouse@westernfg.ca

Location
205 Birch Ave Suite 1, 100 Mile House, BC V0K 2E0

Hours

Mon-Fri: 8:30am - 5:00pm
Sat: 9:00am - 5:00pm
Sun: Closed