Western Financial Group offices will be closed Monday, February 17 in observance of Family Day. We will reopen on Tuesday, February 18. For emergency claims, please call 1-877-599-7299.

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Best car insurance, home insurance, and business insurance in Surrey, British Columbia

Searching for car insurance, ICBC renewals, or coverage for your home, business, farm, or life? Our Surrey, BC team brings over 100 years of trusted expertise to help you find the right protection.

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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We shop across trusted providers to find you the best personal or commercial insurance coverage.

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Over 10,000 Five-Star Reviews

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Our local insurance experts understand your specific needs.

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Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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Your local Canadian insurance broker in Surrey, 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. Business Insurance – Safeguard your business operations with tailored policies.
  4. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  5. Life Insurance – Plan for the future and protect your family’s financial security.

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. 

Proudly Supporting the Surrey Community

Nearby to the Fraser River and just north of the Canada-United States border is the city of Surrey in British Columbia — also a member municipality of the Metro Vancouver region. Don’t miss the Cloverdale Rodeo and Country Fair, the Museum of Surrey and Nicomekl River Race.

Your Western Coast Insurance Services Cloverdale (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 $23,000 to the Surrey Food Bank, Surrey Community Association as well as Eversafe Ranch etc.

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.

Living in Surrey? 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 Cloverdale, Surrey?

In British Columbia, Basic Autoplan from ICBC is mandatory for all drivers. It includes third?party liability, accident benefits, underinsured motorist protection, and basic vehicle damage coverage, each with minimum limits of $200,000.

Optional coverage, such as collision, comprehensive, extended third?party liability, and loss?of?use, can be purchased either through ICBC or an insurance broker like Western, where we compare prices across many providers to find you the most competitive rates.

Cloverdale drivers face mixed traffic conditions—from busy commuter routes like Highway 15 to quieter residential streets. All drivers must carry ICBC’s Basic Autoplan, which includes mandatory liability and accident benefits.
 
Because Cloverdale includes many larger family vehicles and trucks, optional coverages like collision, comprehensive, extended liability, and loss?of?use are common.

What is the average cost of car insurance in Surrey, BC?

Most Cloverdale drivers pay between $1,500–$2,000 annually, depending on vehicle type, driving history, and chosen coverage. New drivers tend to pay more, sometimes exceeding $3,000 annually, while experienced drivers tend to pay closer to the BC average.

How can I reduce the cost of my auto insurance in Cloverdale? 

To lower your auto insurance premiums in Surrey, consider several proven strategies:

  • Maintain a clean driving record — ICBC offers discounts for safe drivers in Surrey.
  • Drive fewer kilometres — ICBC now offers distance?based discounts for under 15,000 km and under 5,000 km per year. 
  • Increase your deductible to reduce premiums.
  • Compare optional coverage between ICBC and private insurers - we can help with this! 
  • Consider usage?based or low?kilometre discounts when applicable.

What is the minimum auto insurance coverage in British Columbia? 

BC requires Basic Autoplan through ICBC, which includes:

  • $200,000 Third?Party Liability
  • Accident Benefits
  • Basic Vehicle Damage (up to $200,000)
  • Underinsured Motorist Protection (up to $1 million)
  • Inverse Liability Protection

Can you drive a car without insurance in Surrey? 

No. Driving without valid ICBC insurance is illegal in all of BC and can result in fines, penalties, and potential vehicle impoundment. 

Do you pay deductible if not at fault in a car accident in Surrey? 

Under ICBC’s system, if another  driver is fully at fault, you typically do not pay your collision deductible, provided you carry collision coverage. Basic Autoplan covers your accident?related injury expenses regardless of fault; however, damage to your vehicle requires optional collision coverage for deductible waivers to apply.

What do I need to know about home insurance in Cloverdale, Surrey, BC?

Property insurance in Surrey varies widely because neighbourhoods differ significantly in elevation, crime rates, home age, and proximity to water systems. Surrey’s home insurance costs generally range from $1,000 to over $7,000 per year, depending on your home’s value, type, and coverage options. Premiums can be higher in areas where property crime and water?related risks are more common.

Cloverdale is known for its larger detached homes on generous lots—homes that often come with higher rebuild costs, making guaranteed replacement cost coverage especially valuable here.

What should my Cloverdale Surrey home insurance cover?

Some areas of Cloverdale also benefit from sewer backup coverage due to aging infrastructure patterns identified across parts of Surrey. Meanwhile, BC?wide severe weather events like wildfires, intense rainfall, and flooding continue to influence premiums. Cloverdale homes also frequently include finished basements or rental suites, meaning insurers may review plumbing, drainage, and liability exposure more closely.

What to include in your Surrey Cloverdale home insurance policy:

  • Guaranteed replacement cost (due to larger home sizes)
  • Sewer backup + overland water protection
  • Comprehensive personal property coverage
  • Liability protection for rental or suite usage
  • Earthquake insurance (important throughout Metro Vancouver)

We’re happy to help you compare insurers to ensure your Cloverdale property is fully protected.

How much does home insurance cost in Cloverdale, Surrey? 

Typical Surrey premiums range from $1,100–$1,900+ per year, influenced by home value, proximity to water systems, and drainage infrastructure. Severe-weather-related losses across BC and Canada, especially wildfires and flooding, which continue to push premiums upward. Cloverdale homes might have higher premiums, as they're usually larger than the Surrey average. 

Common Surrey Home Insurance Exclusions

Most standard policies in Surrey exclude:

  • Earthquake damage, unless added as an endorsement
  • Overland flood and sewer backup, especially relevant near the Fraser River or low?lying areas with drainage challenges
  • Wear and tear, including aging roofs, plumbing, or drainage failures
  • Poor maintenance

Because BC has faced some of the most destructive wildfire and severe-weather seasons in Canadian history (with 2024 alone causing over $8.5 billion in insured losses nationwide) these exclusions are becoming more important for Surrey homeowners to understand.

What questions do I need to answer to get home insurance? 

When seeking home insurance in Surrey, British Columbia, you'll typically need to provide details about your property including its age, construction materials, square footage, and any safety features you’ve already installed (e.g., monitored alarm systems, fire extinguishers, sump pumps, backwater valves, or upgraded electrical and plumbing systems). We will also review your personal claims history and may ask about past water damage, fire losses, or liability claims.

Need help choosing coverage? 

Reach out for a quote and we can help you compare BC insurance options and structure your policy around Cloverdale's specific larger detached family home, water?risk, and property size realities.

Western Proudly Supports Our Canadian Communities

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.

 

Broker Information

Surrey (Cloverdale), British Columbia

Reviews: 5

Contact Branch
844-802-7610
Cloverdale-Insurance@westerncoast.ca

Location
17730 BC-10 Unit B, Surrey, BC V3S 1C7

Hours

Mon-Thurs: 9:00am - 5:00pm
Fri: 9:00am - 6:00pm
Sat: 9:00am - 4:00pm
Sun: Closed

Your Trusted Insurance Broker in Surrey, BC

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2025-11-02

My agent, Kelley was an absolute Rockstar. We had a great rapport, and she worked hard to make sure that my less than usual situation was managed perfectly.

Surrey - BC

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2025-10-31

Srishti was fantastic to work with when renewing my auto insurance policy! She made the process seamless and easy. She was incredibly responsive and friendly! I highly recommend Western Coast Insurance! Thank you for such a positive experience!

Surrey - BC

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2025-10-29

Renewed my ICBC policy over the phone-quick, easy and professional. Srishti was friendly, clear, knowledgeable and provides you with the right advice. Highly recommend!!

Surrey - BC