BCAA Home Insurance Reviews

Please don't use BCAA for you insurance needs. You can never quit your policy. It's a nightmare process. They will charge you 10% of your total yearly insurance as a cancellation fee. I never had a claim and was a full paying customer for 7 years! Ouch

I don't normally leave reviews but this company NEEDS to be held accountable for their shady underhanded business. They have ZERO issues being cavalier about your home and your investment and your peace of mind and future. I believe this company is very quickly becoming scam artists. We chose BCAA for our home insurance in 2016. Seemed easy and the price was fair... at first. They kept requesting our signatures on the original paperwork (something we did at least twice) and still claimed they never received, even though we mailed it twice (which is what we were told had to happen as they needed the originals). There was an issue with nonpayment for 1 month, which is fair enough. The only way we were notified was by a registered letter telling us we were going to have our policy cancelled. NO PHONE CALL, NO EMAIL. Fast forward to current date, we phoned to get a copy of our insurance policy and were told there was no policy in place - there were notes on the account but the person who answered the phone did not say anything about it being lapsed, WHICH IT WAS, just wanted to get off the phone ASAP. Phoned back again a week later and got a different person who informed us the policy had lapsed at the beginning of 2018 BECAUSE OF NO SIGNATURES!?!?!?! Again, a supposed registered letter was stated to have been sent. AGAIN, NO PHONE CALL, NO EMAIL followup, just leave you high and dry and do the bare minimum. No home insurance for an entire YEAR due to BCAA. Applied to get reinstated and now we have to jump through hoops. Quoted a yearly price DOUBLE than what we had been paying initially. Told we were declined because according to them it had been cancelled 3 TIMES?!?!?! AT NO POINT WERE WE MADE AWARE OF THIS. Here's the kicker, they only had ONE contact phone number. My partner and I have 2 different phone numbers and they did not even have MY NUMBER ON FILE and I am on the title to the house. I would think this would be baseline information that you NEED in order to provide insurance. This company is not out to provide a service for their customers. They are looking for angles and not taking accountability for the service they need to provide. I hope very soon we demand our government take action on insurance companies like this much like they had to do in Alberta years ago because how we were treated needs to be ILLEGAL.

Denied a claim after leaving me waiting with water damage and unusable bedroom for a week. Said they wouldn't cover it after all as it was slow vs. fast leakage from a broken toilet - with no evidence. Said it was an exclusion that no one had ever told me about - when I got the policy or when I made the claim.

I had been a customer of BCAA for 25 years. The past 3 years my home insurance has increased immensely. I decided to compare with another company. To my surprise, I could get more coverage for $850.00 less! Wow! Don't let BCAA fool you with their discounts, it's a scam in my eyes. I also received excellent personal service at the new insurance company unlike standing in a line-up feeling like I was just a number. It pays to look at other options!

Dear potential customer for BCAA. Don't do it!! Do not buy home insurance from these crooks. Our home on the island burned down due to a power failure/surge.
We have complied with all requests for interviews and meetings with adjustors and management and lawyers only to have our claim dismissed with no merit,despite the fact we were insured by BCAA. These people are more than happy to take your money but do not deliver! Steer clear!

I have been with BCAA for 27 years and never had a claim. Last year I put in a claim for water damage and in the ceiling that bubbled up under the paint. They denied my no written follow up, no inspection for where the water came from. Pretty disappointed overall, especially when the adjuster made a big point about how he would be at church.

Even after overpaying for home insurance and in spite of giving advanced notice they charged me an additional $62 for some trumped up reasons. Would not recommend this company to anyone. Overpriced, poor customer service (Jennifer G. offered no support), very little empathy. Stay clear!

We have had home insurance with BCAA for 8 years with no claims.
1) They increase premiums so much every year I am now pay almost DOUBLE what our policy started at.
2) I am trying to cancel my insurance with BCAA as we are moving out of province. BCAA is demanding (over the phone) an early cancellation fee and will not send us anything in writing. The rep has only advised us we can pay her over the phone or in person at their office. We have repeatedly asked for something in writing and to speak with a Supervisor and have not received a call.
I will never use BCAA again!

Overpriced useless hacks.
I signed up using their online signup feature, had them for three years. Thought I was getting a decent rate, but then went to a competitor recommended by a co-worker and got $70/year cheaper for way more coverage.
BCAA kept spamming me to become a member, and when I asked how much it would save me, they said $50. But it would cost $70 for membership.

Lastly when I called them to discuss renewal the guy was asking me questions about my condo that I had already filled out in the online forms and I knew that they had (like what year it had been built!) - very discouraging to see that either they hire inexperienced people who can't read forms or they don't transfer information in their system well.

I will never recommend BCAA to anyone - shop around, there are better alternatives out there.

BCAA has renewed my home insurance without my consent. I told them that I did not consent and I want them to stop. Their answer was "you owe about $40 for the 15 days of coverage". I asked the agent to show me where in the policy gives them authority to renew my insurance without my consent she was unable to give me any explanation or written details. I asked another agent this time they said it is on pg 64. I asked them again to show it to me and they were unable to show any specific paragraph that would give them the right to renew the policy without my consent and that they can force me to pay them. At the end they tried to intimidate me by saying if you pay the $40 they will not put me on the list of cancellation for non payment. I'm going to escalate this issue.