Get Cheap Home Insurance in Kelowna

Compare home insurance quotes from 50+ providers in a single search!

We do not operate in your province.

How home insurance works in Kelowna

Kelowna, the gateway to the Okanagan Valley, would be a dream of anyone as a getaway or certainly a place to settle down in. Owning a home there is not cheap but still less expensive than places like Vancouver or Victoria.

If you are looking to buy or own a home there you are not required to have home insurance in Kelowna or in British Columbia, in general. However, your mortgage lender typically requires home insurance in Kelowna, and it provides you with the peace of mind you need for what could be the largest investment you’ll ever make.

Home insurance in Kelowna may help protect your home and its contents in case of:

  • Theft
  • Property coverage (loss or damage to the inside and outside of your home or property)
  • Additional living expenses if you're temporarily unable to live in your home
  • Damage, theft or loss of your personal possessions
  • Personal property stolen from your vehicle
  • Damage or injury to others who visit your home or property
  • Accidental damage you cause to somebody else’s property

Homeowners looking for home insurance in Kelowna generally have three options:

Basic Coverage: This is also known as perils and only covers specific risks you choose, for example fire could be selected but then other coverage would not.

Broad Coverage: This covers the structure of your home as well as the contents inside of it should physical loss or damage occur. It only covers your contents for named perils.

Comprehensive Coverage: This covers your home and its contents from all risks, except optional coverages such as sewar back-up, overland water and earthquakes.

How to get the cheapest home insurance quotes in Kelowna

Get multiple home insurance quotes in the time it takes to get just one

1. Enter Postal Code

Start with your postal code!

2. Enter Your Information

Answer a few quick questions about yourself and your home.

3. Compare Your Quotes

Compare home insurance coverage and quotes from 50+ insurance companies.

4. Pick Your Policy

Pick the home insurance policy and company that's right for you.

Get Quotes Now

We've got hundreds of 5 star reviews

2,104 reviews on TrustPilot. See some of the reviews here.

Powered by TrustPilot

Factors that determine your Kelowna home insurance premium

Finding cheap Kelowna home insurance depends on several factors including the location, construction details and home’s age.

Kelowna home insurance rates can fluctuate based on risk factors such as your home’s age, location and basic construction.

More specifically, Kelowna home insurance companies will want to look at the following when providing you a quote:

  • Condition of roof (or if you have one - i.e. condo): A solid well-maintained roof will lower damage risks and could reduce premiums.
  • Construction: Newer construction that is up to code will be seen as a lower risk.
  • Past renovations: These could indicate problems with the house, which insurers will want to know about.
  • Claims history: Past claim history could be indicative of problems with the home and raise premiums.
  • Credit score: People with better credit scores are lower risk.
  • Special uses: For example, if you have a business running out of your home.
  • Pool and other accessory dwellings: A shed, back deck or laneway suite, for example -- each of these could add risks to your home for which you would likely have to pay a higher premium.

Top Kelowna home insurance companies

Insurance CompaniesCompany TypePhoneAddress
Aviva InsuranceFinancial institution1-800-663-95261125 Howe Street, Suite 1100 
Vancouver, BC V6Z 2Y6
CAAFinancial institution1(250) 870-49001470 Harvey Ave., Unit 18, Kelowna, BC V1Y 9K8
ChieftanFinancial institution1-800-268-8447165 University Ave., Toronto, ON M5H 3B9
CoachmanFinancial institution1-416-255-334710 Four Seasons Place, Suite 200, Toronto, ON, M9B 6H7
EchelonFinancial institution1-905-214-79702680 Matheson Blvd E. Ste 300, Mississauga, ON, L4W 0A5
EconomicalFinancial institution1(604)681-20371055 West Georgia St., Suite 1900, P.O. Box 11112, Royal Centre, Vancouver BC V6E 3P3
Lowestrates.caQuote comparison1 (855) 487-69111910 Yonge St. Suite 401, Toronto, ON M4S 3B2
PerthFinancial institution1-519-570-8208111 Westmount Rd. S., P.O. Box 2000, Waterloo, ON, N2J 4S4
RATESDOTCAQuote comparison1 (844) 726-0907360 Adelaide St. W Suite 100, Toronto, ON M5V 1R7
RSAFinancial institution1(800)663-1272555 West Hastings St., Suite 2360, Vancouver, BC, V6B 4N6
Scoop InsuranceInsurance brokers(416) 955-6286300 Lincoln St. Unit 22, Welland, ON L3B 4N4
Square OneFinancial institution1(778)331-6933650 West Georgia St., Suite 1410 
Vancouver, BC, V6B 4N8

Why use to compare home insurance quotes online? is the easiest and fastest way to find cheap Kelowna home insurance. We can:

  • Save you money: On average shoppers save $300 on Kelowna home insurance comparing quotes with us.
  • Save time: In just a few minutes you can compare quotes from more than 30 insurers.
  • It’s free: There’s no catch or fine print; our service is absolutely free for you to use.
  • It’s quick and easy: You’re just a few quick questions away from your custom quote.
  • Your information is safe: Your details are secure. Look for a locked padlock in your browser as well as https.
  • We respect your privacy: Your privacy is important to us. We never share your details without your consent.

Frequently asked questions about home insurance in Kelowna

How can I find the cheapest home insurance quote in Kelowna?

Home insurance in Kelowna will depend on several factors such as location, property type, what you are using the property for, and the kind of coverage you are after. You might also consider bundling policies under one provider and increasing your deductible.

Shop around for the cheapest home insurance quotes in Kelowna by using

What kind of risks do Kelowna homeowners face?

Homeowners in Kelowna could face the following perils:

  • Internal water damage from burst pipes: During the winter months, low temperatures increase the risk of water damage from burst pipes. Given how cold the winter gets in Edmonton, this is a common issue.
  • Sewage backup: An aging sewer system or melting snow can cause a sewer backup. Damage as a result of sewer backup may be covered by your policy or will be available as an add-on. Many insurers offer different amounts of sewer backup coverage. Ask your insurer for more information.
  • Overland water: Rainstorms and melting snow can cause overland flooding and heavily damage your home. Overland water insurance may be an optional add-on, making it important for you to ask your insurer about the details of your coverage options. For example, in 2017 and 2018, record-setting rainfall combined with snow melt saturated the ground and high groundwater levels resulted in major flooding in parts of the town.

Do I need to update my Kelowna home insurance provider if I am running a short-term rental on Airbnb or Vrbo?

Providing a short-term rental on Airbnb or Vrbo changes the nature of your home’s usage and the terms you have with your insurance provider. Your residence is now operating as an income property.

Speak to your agent or provider about changing the usage of your home and what options are best to protect you and the contents of your home.

How can I file a home insurance claim in Kelowna?

Assess the damage and contact your insurer in Kelowna and tell them you want to make a home insurance claim. They will likely need details including your policy number, address and full name, and the nature of your claim.

Take photos of the damaged or destroyed items as evidence or records that may be required later.