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Eff-1 · 07-18-2024, 10:57 AM

What's everyone paying for home insurance, and what coverage does that include?

I am shopping around for quotes and so far BCAA is quoting $2800 but that includes earthquake (which is $775). It also includes flood, water, emergency living costs, $75k personal effects, and $1000 deductible.

This is for a 2200 sq ft vancouver special, so nothing fancy. The one thing that I think added to my coverage is the furnace is still original to 1974, we have a hot tub. We also have aluminum wiring (but they didn't ask anything about that).

This is with a long claim-free history and they'll give me one claim without penalty.

I also have a broker shopping around, but curious to know what others are paying and what kind of coverage, but also if you've had bad experiences trying to make a claim.

I feel like BCAA might be easier to deal with? But that's just a wild guess.

About 8 or 9 years ago I dealt with Wawanesa and it was a fucking nightmare, never again.

07-18-2024, 10:57 AM	#1
Eff-1 private modder Join Date: Feb 2002 Location: North Shore Posts: 7,252 Thanked 3,519 Times in 1,004 Posts Failed 47 Times in 35 Posts	All things home insurance What's everyone paying for home insurance, and what coverage does that include? I am shopping around for quotes and so far BCAA is quoting $2800 but that includes earthquake (which is $775). It also includes flood, water, emergency living costs, $75k personal effects, and $1000 deductible. This is for a 2200 sq ft vancouver special, so nothing fancy. The one thing that I think added to my coverage is the furnace is still original to 1974, we have a hot tub. We also have aluminum wiring (but they didn't ask anything about that). This is with a long claim-free history and they'll give me one claim without penalty. I also have a broker shopping around, but curious to know what others are paying and what kind of coverage, but also if you've had bad experiences trying to make a claim. I feel like BCAA might be easier to deal with? But that's just a wild guess. About 8 or 9 years ago I dealt with Wawanesa and it was a fucking nightmare, never again.