A Canada Post strike began on September 26, 2025, which may result in delays in the delivery of insurance documents. We encourage you to use our available online tools to manage your policy.

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Best car insurance, home insurance, and business insurance in
Kelowna, 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 Kelowna, BC (Harvey Ave), 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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Why Choose Western

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We shop across trusted providers to find you the best coverage.

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Over 9,500 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
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 Kelowna, 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 Kelowna Community

Kelowna, a city in British Columbia with approximately 129,000 residents, is known for parks, forests, vineyards, orchards and mountain landscapes and is located in the Okanagan Valley on beautiful Okanagan Lake.   

Our Kelowna (Harvey Avenue) brokerage team can offer you policies for car and truck insurance, home insurance, business insurance, farm insurance and life insurance. We have access to many other superior products and are dedicated to helping you find the best insurance in Kelowna, British Columbia.

At Western’s Kelowna (Harvey Avenue) 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.

Living in Kelowna? Here's Everything You Need To Know About...

What do I need to know about car insurance in Kelowna, 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.

5 Things to Know About ICBC Coverage for Occasional Drivers

What do I need to know about home insurance in Kelowna, 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.

Top 5 Things to Know About Renewing ICBC Car Insurance

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 Kelowna 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.

Celebrating the Grand Opening of Winnipeg Dakota Street Location

  November 24, 2025

Paint The Town Purple! Western Stands Up in AB and SK

  November 12, 2025

Supporting Inclusion and Opportunity in Camrose: Western Donates $5,000 to CAFCL's Charity Auction

  October 30, 2025

 

Broker Information

Kelowna, British Columbia

Reviews: 4.3

Contact Branch
250-979-3100
KelownaHarveyAve@westernfg.ca

Location
2025 Harvey Ave, Kelowna, BC V1Y 6G6

Hours

Mon-Fri: 8:00am - 6:00pm
Sat: 9:00am - 5:00pm
Sun: Closed

Your Trusted Insurance Broker in Kelowna, BC

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2025-11-20

I recently had a discussion with Kelly Hill about the ins and outs of commercial insurance. It's so easy for business owners to be poorly informed about what matters to their specific business and all of the nuances that need to be considered when choosing an insurance strategy. Kelly is so well versed in her industry and patiently explained some of the complexities that business owners face when making these critical decisions. I highly recommend calling her for a consultation when your insurance is due for renewal. She's such a warm, resourceful collaborator - just the kind of person every business leader needs to have in their corner... because we all deserve the peace of mind that comes with knowing you've protect your business and livelyhood strategically and for the long run. Thanks for your time, Kelly.

Kelowna - BC

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2025-09-23

I had totally forgot about my upcoming car insurance renewal and Rio actually phoned me to remind me about it - even though I didnt even have my car insurance with Western. He had remembered from when I mentioned it while I got travel insurance from him back in August!! How awesome is that. He then helped me with my car insurance and saved me over $300 switching from my current provider!!! He was able to answer all my questions and made the process easy and seamless. Rio is now my go-to insurance guru and I will keep coming back to this kelowna team for all my insurance needs.

Kelowna - BC

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2025-09-18

Alicia Roche and Kelly Hill are both amazing at this company. They both know their stuff quite well. I have not personally used them but I have heard they beat prices so I will have to check the next time my insurance comes up. Highly recommend them for insurance.

Kelowna - BC