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:
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.
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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:
|Insurance Companies||Company Type||Phone||Address|
|Aviva Insurance||Financial institution||1-800-663-9526||
1125 Howe Street, Suite 1100
Vancouver, BC V6Z 2Y6
|CAA||Financial institution||1(250) 870-4900||1470 Harvey Ave., Unit 18, Kelowna, BC V1Y 9K8|
|Chieftan||Financial institution||1-800-268-8447||165 University Ave., Toronto, ON M5H 3B9|
|Coachman||Financial institution||1-416-255-3347||10 Four Seasons Place, Suite 200, Toronto, ON, M9B 6H7|
|Echelon||Financial institution||1-905-214-7970||2680 Matheson Blvd E. Ste 300, Mississauga, ON, L4W 0A5|
|Economical||Financial institution||1(604)681-2037||1055 West Georgia St., Suite 1900, P.O. Box 11112, Royal Centre, Vancouver BC V6E 3P3|
|Lowestrates.ca||Quote comparison||1 (855) 487-6911||1910 Yonge St. Suite 401, Toronto, ON M4S 3B2|
|Perth||Financial institution||1-519-570-8208||111 Westmount Rd. S., P.O. Box 2000, Waterloo, ON, N2J 4S4|
|RATESDOTCA||Quote comparison||1 (844) 726-0907||360 Adelaide St. W Suite 100, Toronto, ON M5V 1R7|
|RSA||Financial institution||1(800)663-1272||555 West Hastings St., Suite 2360, Vancouver, BC, V6B 4N6|
|Scoop Insurance||Insurance brokers||(416) 955-6286||300 Lincoln St. Unit 22, Welland, ON L3B 4N4|
|Square One||Financial institution||1(778)331-6933||
650 West Georgia St., Suite 1410
Vancouver, BC, V6B 4N8
InsuranceHotline.com is the easiest and fastest way to find cheap Kelowna home insurance. We can:
*Shoppers in Canada who obtained a quote on InsuranceHotline.com from January to December 2021 saved an average of 21%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by InsuranceHotline.com.
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 InsuranceHotline.com.
Homeowners in Kelowna could face the following perils:
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.
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.