Look no further if you’re needing ICBC renewals, car and truck insurance today.
The city of Terrace in British Columbia supports approximately 12,000 residents and is located on the Skeena River, which is the ancestral home of the Tsimshian Nation. Outdoor activities in the region remain a huge economic booster in both winter and summer seasons.
As your Terrace 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 proud supporter of our Western Communities Foundation charity, we’ve donated over $6,000 to the Kimmunity Angel Society and Dr R.E.M. Lee Hospital Foundation etc.
Don’t miss Lakelse Provincial Park, Kleanza Creek Provincial Park, Kitsumkalum Provincial Park, the Heritage Park Museum, the Skeena Valley Farmers Market and skiing and outdoor opportunities.
Look no further if you’re needing car and truck insurance, home insurance and business insurance. Let our experts be your trusted source for farm insurance and life insurance.
We are dedicated to helping you find the right insurance in Terrace, British Columbia.
At Western’s Terrace brokerage, we have competitive rates and outstanding customer service. We’ll listen to your concerns and customize a policy that fits your needs.
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What do I need to know about car insurance in Terrace, 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 Terrace, 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.