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Serving Canadians Since 1905
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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:
We also provide insurance solutions for local welders through the Christian Labour Association of Canada (CLAC). Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia.
Surrey, British Columbia is located nearby to the Fraser River and just north of the Canada-United States border. As well, the city is a member municipality of the Metro Vancouver district. Don’t miss Peace Arch Provincial Park, Queen’s Park and the White Rock Pier.
Your Western Coast Insurance Services Clayton Crossing (Surrey) branch offers car and truck insurance, home insurance, business insurance and boat insurance. We access many other products as well.
A supporter of our Western Communities Foundation, we’ve donated over $2,000 to the Surrey community by way of bursaries awarded to many well-deserving students.
As industry leaders for over 40 years, we are dedicated to serving you the right insurance in Surrey, British Columbia and from our other branches on Vancouver Island and the Lower Mainland.
At our Surrey branch, we have competitive rates and outstanding customer service. We’ll listen to your concerns and help you customize a policy that fits your needs today and as they change. You’re at home with Western Coast Insurance Services.
At Western Financial Group, our insurance brokers help Clayton Crossing and Surrey residents compare insurance options across Canada, making it easier to find the right protection at the right price. We proudly serve customers throughout Clayton Heights, East Clayton, West Clayton, Cloverdale, Hillcrest, Katzie, and Willowbrook.
Instead of navigating multiple insurance providers on your own, our Clayton Crossing insurance experts do the detailed work for you. We review coverage options from many of Canada’s leading insurers to ensure you get the right fit for your needs.
With access to multiple insurers, we help you find a policy that matches your budget and aligns with your unique coverage requirements—whether you're commuting through Cloverdale, running a business in Hillcrest, or protecting your home in Clayton Heights.
Navigating insurance alone can be time-consuming and overwhelming—and you may miss out on valuable savings or important coverage features. Working with a Western broker helps ensure you get the proper protection without the stress.
Whether you're protecting your Clayton Heights home, your Cloverdale business, your family vehicle, or your lifestyle, comparing insurance options is the smartest way to get the best value.
In British Columbia, all drivers, including those in Clayton Crossing, Surrey, must carry ICBC Basic Autoplan. This mandatory coverage includes:
Optional coverages such as collision, comprehensive, extended third?party liability, and loss?of?use can be purchased through ICBC or through a broker like Western. At our Clayton Crossing location, we compare private optional insurance from multiple providers to help you find the best rates.
Clayton Crossing and the surrounding neighbourhoods of Clayton Heights, Katzie, East Clayton, and Hillcrest are fast?growing residential areas with dense townhouse developments, high vehicle volume, and busy commuter routes along Fraser Highway, 64 Avenue, and 188 Street.
With frequent stop?and?go traffic and higher?than?average collision exposure, many Surrey drivers choose to add:
Most drivers in Surrey pay approximately $1,500–$2,000 per year for auto insurance. Rates vary based on:
To lower your auto insurance premiums in Clayton Crossing and Cloverdale, consider:
BC requires every driver to carry ICBC Basic Autoplan, which includes:
No. Driving without valid ICBC insurance is illegal in BC and can result in fines, penalties, and even vehicle impoundment.
If you’re not at fault and carry collision coverage, your deductible is usually waived. Injury expenses are covered under Basic Autoplan regardless of fault. However, damage to your vehicle is only covered without a deductible if you have optional collision coverage.
Home insurance in Surrey varies widely because neighbourhoods differ in elevation, crime rates, home age, and proximity to water systems. In general, Surrey homeowners pay $1,000 to more than $7,000 per year, depending on the home’s value, construction type, and selected coverage. Premiums can be higher in areas where property crime or water related risks occur more often.
Clayton Crossing is one of Surrey’s fastest growing communities. The area includes dense townhouse developments, newer detached homes, and many properties that have basement suites. Multi family occupancy increases the importance of having strong water damage protection, since water events in high density housing can affect multiple units at once.
Clayton Crossing is close to several Surrey neighbourhoods where older drainage infrastructure can increase the risk of sewer backup. Even newer homes can benefit from added protection.
If you want help comparing policies that fit the unique characteristics of Clayton Crossing, our team can walk you through options from multiple BC insurers.
Typical Surrey home insurance premiums range from $1,100 to $1,900 or more per year. Rates depend on the home’s age, value, proximity to water systems, and local infrastructure. Severe weather events across BC, including wildfire and flooding, continue to impact insurance pricing across the province.
Most standard home insurance policies in Surrey exclude:
With BC experiencing increasingly severe wildfire seasons and significant storm activity, these exclusions are important for Surrey homeowners to understand.
When applying for home insurance in Surrey, you will be asked to provide details about your property, including its age, construction materials, square footage, and any safety features you have installed such as monitored alarms, fire extinguishers, sump pumps, backwater valves, or upgraded electrical or plumbing systems. We will also review your claims history and may ask about any past water damage, fire losses, or liability claims.
Contact us for a quote and we can help you compare BC insurance options and build a policy that fits Clayton Crossing’s multi unit housing, water related risks, and rental suite considerations.
At Western, caring is at the heart of everything we do. We are dedicated to making a meaningful difference in Surrey and across Canada by actively supporting the causes that matter most to our customers, employees, and neighbours. Our commitment to care drives us to create a positive, lasting impact every day.
August 19, 2026
