100% Canadian Owned
13,000+ Reviews Across Western | 4.5
2026-02-06
Thank you, Srishti and Jenifer, for your professionalism and quick support with my insurance. Great experience - 5 stars!
Surrey - BC
2025-12-17
Renewed my policy over the phone, and the process was quick and efficient. I spoke with Kiran who was courteous and understanding of any questions I had that came up. Just a pleasant interaction all around. Thanks Kiran!
Surrey - BC
2025-12-12
I’ve been putting off dealing with my auto insurance on a few vehicles for the winter. I received a call from Kiran today. She made the process seamless. Excellent communication skills. Friendly yet thorough. I loved that I was speaking to someone local (Cloverdale) Western Coast Ins, and not a call center at head office. She reviewed alternative insurance that doesn’t fall under ICBC. Recommended! Janet
Surrey - BC
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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.
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.
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!
In British Columbia, all drivers must carry Basic Autoplan from ICBC. This mandatory coverage includes:
Optional coverage—such as collision, comprehensive, extended liability, and loss?of?use—can be purchased through ICBC or through an insurance broker like Western, where we compare prices across multiple insurers to find competitive rates.
Cloverdale drivers experience a mix of busy commuter routes like Highway 15 and quieter neighbourhood roads. Because the area is home to many family vehicles, SUVs, and trucks, optional protections such as collision, comprehensive, and extended liability are widely chosen.
Most drivers in Cloverdale pay between $1,500–$2,000 per year, depending on their vehicle, driving record, and coverage choices.
Newer drivers often pay over $3,000 annually, while experienced drivers typically pay closer to the BC average.
To lower your premiums, consider these proven strategies:
Basic Autoplan includes:
No. Driving without valid ICBC insurance is illegal anywhere in BC and can result in fines, penalties, and even vehicle impoundment.
Under ICBC’s system, if another driver is fully at fault, you typically do not pay your collision deductible—provided you carry optional collision coverage.
Basic Autoplan covers injury?related expenses for all parties regardless of fault, but damage to your vehicle requires collision coverage for deductible waivers to apply.
Home insurance in Surrey can vary significantly because neighbourhoods differ in elevation, crime rates, home age, and proximity to water systems. Across Surrey, annual premiums typically range from $1,000 to over $7,000, depending on your home’s value, construction type, risk factors, and selected coverages. Premiums may be higher in areas with increased property?crime activity or elevated water?related risk.
Cloverdale is known for its larger detached homes and generous lots, which often come with higher rebuild values. Because of this, guaranteed replacement cost (GRC) coverage is especially important for homeowners in this community.
Some parts of Cloverdale benefit from adding sewer backup coverage due to aging infrastructure patterns across Surrey. BC?wide issues such as wildfires, heavier rainfall, and localized flooding also influence premiums and increase the importance of enhanced water protection.
Many Cloverdale homes include finished basements or rental suites, which means insurers may review plumbing updates, drainage systems, and liability exposure more closely.
Our team can help you compare insurers and ensure your Cloverdale home has the right protection.
Typical Surrey premiums fall between $1,100–$1,900+ per year, but Cloverdale homes—often larger than the city average—may see higher premiums. Rates are influenced by:
Severe?weather losses in recent years have also pushed premiums upward.
Most standard policies exclude:
With BC experiencing some of the most severe wildfire and storm seasons in Canadian history, understanding these exclusions is increasingly important.
When applying for home insurance in Cloverdale or anywhere in Surrey, you’ll typically need to provide:
Reach out for a quote! Our team can compare BC insurance providers and help you tailor your policy to Cloverdale’s unique realities, including larger detached homes, water?risk considerations, and property size.
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
