Best car insurance, home insurance, and business insurance in Fernie, British Columbia
Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, farm insurance, or life insurance, we are your trusted local experts in Fernie, 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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Your local Canadian experts in car insurance, home insurance, and business insurance in Fernie, BC.
At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:
- Car Insurance – Protect your vehicle with affordable and reliable coverage.
- Home Insurance – Secure your home and belongings from unexpected events.
- Business Insurance – Safeguard your business operations with tailored policies.
- Farm Insurance – Coverage to protect your farm, equipment, and livestock.
- 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 Fernie Community
The city of Fernie in southeastern British Columbia supports approximately 5,249 residents.
As your Fernie 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.
A supporter of our Western Communities Foundation charity, we’ve donated over $30,000 to the Canadian Avalanche Rescue Dog Association, Fernie Women’s Resource Centre, Tom Uphill Manor and the Emily Brydon Youth Foundation.
Don’t miss the Fernie Alpine Resort, Fernie Museum, Fairy Creek Falls and Mount Fernie Provincial Park.
We are dedicated to helping you find the right insurance in Fernie, British Columbia.
At Western’s Fernie brokerage, 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.
Speak to your local Life Insurance Expert, Hanna Sommerfeldt.
Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia.
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 Fernie, 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.
What do I need to know about home insurance in Fernie, 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.
