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 Insurance Broker in Cloverdale, Surrey, BC

Car insurance, home insurance, business insurance, and more!

Whether you’re driving through Clayton Heights, settling into family life in Hillcrest Village, operating a small business in Downtown Cloverdale, or managing property in West Cloverdale or East Clayton, your insurance needs are unique. Residents here often look for:

  • ICBC renewals & car insurance for busy commuters navigating Fraser Highway and Highway 10.
  • Home insurance suited for townhomes, condos, and detached homes—common across Clayton and Cloverdale’s newer developments.
  • Business and commercial insurance for shops, trades, contractors, and growing local enterprises.
  • Farm and acreage coverage for rural properties around South Cloverdale and the agricultural belt.
  • Life insurance to protect families in this rapidly growing community.

As brokers for Canada’s leading insurance providers for over 100 years, we compare nationwide options and handle every detail to secure the best coverage at competitive rates - insurance tailored just for you. And if you ever need to make a claim, our top?rated support team is here to guide you every step of the way.

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

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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

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 10,332 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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Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
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, all drivers must carry Basic Autoplan from ICBC. This mandatory coverage includes:

  • Third?party liability (minimum $200,000)
  • Accident benefits
  • Underinsured motorist protection
  • Basic vehicle damage coverage

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.

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

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.

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

To lower your premiums, consider these proven strategies:

  • Maintain a clean driving record — ICBC rewards safe driving.
  • Drive fewer kilometres — discounts apply for under 15,000 km and under 5,000 km annually.
  • Increase your deductible to reduce monthly premiums.
  • Compare optional coverages between ICBC and private insurers — we can help with this!
  • Use available usage?based or low?kilometre discounts where available.

What is the minimum auto insurance coverage in British Columbia?

Basic Autoplan 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 anywhere in BC and can result in fines, penalties, and even vehicle impoundment.

Do you pay a deductible if you’re 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 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.

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

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.

What should my Cloverdale home insurance cover?

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.

Recommended coverages for Cloverdale, Surrey homeowners:

  • Guaranteed Replacement Cost — ideal for larger, higher?value homes.
  • Sewer backup and overland water protection — important due to local infrastructure and weather trends.
  • Comprehensive personal property coverage for belongings.
  • Liability protection — especially if you have a basement suite or rental unit.
  • Earthquake insurance — valuable for all Metro Vancouver homeowners.

Our team can help you compare insurers and ensure your Cloverdale home has the right protection.

How much does home insurance cost in Cloverdale, Surrey?

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:

  • Home size and rebuild value
  • Proximity to water systems and storm?drainage infrastructure
  • Local weather risks, including wildfires and heavy rainfall
  • Overall claim trends across BC and Canada

Severe?weather losses in recent years have also pushed premiums upward.

Common Home Insurance Exclusions in Surrey

Most standard policies exclude:

  • Earthquake damage (must be added separately)
  • Overland flood and sewer backup unless purchased as endorsements
  • Wear and tear on roofs, plumbing, or aging drainage
  • Damage caused by poor maintenance

With BC experiencing some of the most severe wildfire and storm seasons in Canadian history, understanding these exclusions is increasingly important.

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

When applying for home insurance in Cloverdale or anywhere in Surrey, you’ll typically need to provide:

  • Home age, construction type, and square footage
  • Details about your roof, plumbing, electrical, and heating systems
  • Information on safety upgrades (monitored alarms, sump pumps, backwater valves, etc.)
  • Your personal claims history
  • Details about any past water, fire, or liability losses

Need help choosing coverage?

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.

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.

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