Protect your home, belongings, and liability with coverage that actually makes sense for where you live.
Home insurance protects more than just your house. We help you build coverage that reflects how homes are actually used in British Columbia, from detached homes to secondary suites.
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Protects the structure of your home
Covers damage to your home caused by insured risks like fire, theft, vandalism, wind, and certain types of water damage. Coverage is based on replacement cost, not market value.
Rebuild costs in BC can be higher due to labour and materials; we help make sure you’re properly insured.
Covers your contents and valuables
Protects furniture, electronics, clothing, and personal items inside your home. Optional extensions are available for high-value items like jewelry, bicycles, and collectibles.
Protects you if someone is injured or property is damaged
Provides liability protection if someone is injured on your property or if you’re found legally responsible for damage to others. Coverage options typically start at $1 million and can be increased.
Customize protection for BC-specific risks
Optional add-ons may include:
We’ll help you decide what makes sense — and what doesn’t.
Home insurance is designed for homeowners, but coverage can vary depending on how your property is used.
Coverage can be adjusted based on your home type, rebuild value, and how the property is used.
Not sure where you fit? A licensed broker can point you to the right coverage in a quick call.
Tell us a bit about your home. We compare options from trusted Canadian insurers, then a licensed broker confirms the best fit before you bind.
Answer a few questions about your home, location, and coverage needs. It takes about two minutes and helps us understand exactly what you’re looking for.
We shop coverage across established Canadian insurance companies to find options that match your home, budget, and risk profile.
A licensed broker reviews your quote, explains your options clearly, and helps you finalize coverage online or by phone — whichever you prefer.
Local advice, multiple insurers, and support that doesn’t disappear after you bind.
Get unbiased advice from a licensed broker who works for you not the insurance company.
We compare options from trusted Canadian insurers to find coverage that fits your home and budget.
We stay with you beyond the sale — helping with renewals, changes, and claims guidance.
We help estimate accurate rebuild costs so you’re properly insured as labour and materials change.
Life insurance is a contract that pays a tax-free lump sum to your beneficiaries if you pass away. You pay regular premiums, and the payout helps cover expenses like mortgage payments, debts, funeral costs, and everyday living expenses for your family.
The two main types are term life insurance and permanent life insurance.
Term life insurance provides coverage for a specific period (e.g. 10, 20, or 30 years).
Permanent life insurance lasts your entire lifetime and may include a savings or investment component, such as whole life or universal life insurance.
The amount depends on your income, debts, mortgage, lifestyle, and long-term goals. A common guideline is 10–15 times your annual income, but the right amount varies for every family. A licensed advisor can help calculate coverage based on your specific needs.
Life insurance can be very affordable, especially if you’re younger and in good health. Term life insurance typically offers the lowest premiums, while permanent insurance costs more due to lifetime coverage and potential cash value.
Not always. Many insurers offer no-medical or simplified issue policies, depending on your age, coverage amount, and health history. Larger policies may require a medical exam to secure better rates.
Home and condo insurance typically covers your property, personal belongings, personal liability, and additional living expenses if your home becomes uninhabitable due to an insured loss.
Home or condo insurance is not legally required, but it is usually required by mortgage lenders and strata corporations to protect your property and financial interests.
Premiums are based on factors such as the property type, location, rebuild cost, coverage limits, claims history, and optional coverages like water damage or earthquake insurance.
Tenant insurance in British Columbia provides coverage for a renter’s personal belongings, personal liability, and additional living expenses if a rental unit becomes uninhabitable due to an insured loss.
Tenant insurance in BC typically covers personal property, liability protection, theft, fire, certain water damage, and temporary living expenses while repairs are being made.
Business insurance helps protect your company from financial losses caused by property damage, liability claims, lawsuits, and unexpected interruptions to operations.
Coverage may include general liability, commercial property, business interruption, professional liability, cyber insurance, and commercial auto, depending on the nature of your business.
Travel insurance can cover emergency medical expenses, trip cancellations or interruptions, lost or delayed baggage, and other unexpected travel-related costs.
Travel or visitor insurance is recommended for anyone travelling outside their home province or country, including visitors to Canada, international students, and new residents without provincial health coverage.
Visitor insurance provides emergency medical coverage for visitors, new immigrants, and temporary residents while they are in Canada
Policies should be reviewed at renewal or whenever there’s a major life change such as moving, buying property, starting a business, or growing your family.
Yes. Many policies allow changes such as updating coverage limits, adding endorsements, or adjusting deductibles during the policy term.
Policy changes can increase or decrease your premium depending on the type of change and coverage selected.
You can contact Vansure directly and we’ll guide you through the claims process, including reporting the loss and communicating with the insurer.
Yes. Vansure supports you throughout the claims process, helping you understand next steps and ensuring the claim is handled properly
Yes. Vansure supports you throughout the claims process, helping you understand next steps and ensuring the claim is handled properly
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