BCAA Home Insurance Reviews

I used BCAA home insurance for over 20 years with one claim. The one claim involved faulty toilet tanks that cracked. When this happened BCAAs contractor quickly had this cleaned up and eventually repaired. No complaints there. However my reduced premiums immediately went to full price as I had made a claim despite them being part of a class action suit against the tank manufacturer. I was asked to take time to meet with their law firm and sign papers etc. On the second round of papers signing i asked if my premium payment discounts would be rebated as the company will get funds from this suit as the tank company was taking responsibility for the defect and I was told "No" .

Many years later we purchase rental and rural property which was deemed to high of risk even though we were loyal customers for over 20 yrs. I will never deal with them again. Coast Capitol has been very good and gladly accepted our business.

BCAA was awesome few years ago... when ClaimsPro was not the their 3rd party adjuster company. I don't recall being this frustrated when I had similar claim few years back (flooding that requires laminate flooring to be replaced throughout the house). Their contractor has found our main floor (which is our access to kitchen, bedroom, and bathroom) to be "unsafe" due to accident prone while the main floor and stairs are being replaced but they still find it "liveable". The policy states that they will cover living expense when "unfit for occupancy". Which becomes debatable... after numerous battles with both ClaimsPro and BCAA directly, they concluded that being unsafe is still fit for occupancy. I was advised to use my common sense that if construction site (house) is unsafe, to use my judgement to be cautious... even if I have small kids. They've stated that if I were to fix my damage on my own, I'd be careful not be in any sort of accident. Then I wondered isn't it the reason why we take insurance? So we have a peace of mind in not harming ourselves during claim renovation... hence the clause for 'additional living expense' for when 'unfit for occupancy'? This is really dumb. I'd like to formally complaint to BCAA and BBB for this part of the policy to be clarified. I don't understand the logic.

My wife and I had our apartment damaged by water and were put into a new home for 7 months. Had a 3rd party insurance company (ClaimsPro) involved. BCAA was awful from the very beginning. No one ever contacted us directly, everything went thru ClaimsPro. Took months to get reimbursed. We would have to put down hundreds, even thousands of our own money and wait months to get it back, no matter how often we reached out to them. The customer service was terrible. Deadlines were never met. No matter how many complaints were made with the adjuster or the manager, nothing improved throughout the process. The claim is coming to an end in a couple weeks and I can't be happier to not have to deal with BCAA again.

Being a member of BCAA for many years, you have built trust in their insurance policies. Sure their home insurance premiums were very competitive 3 years ago as I was told by a competitive insurance broker in person. However, every year when I went to the BCAA office for home insurance renewal, the staff would assessed the policy for savings. Not true, the staff always found discrepancies in previous policies and increased the premiums. My last home insurance premium was just increased by $ 200.00. So if you are happy with current premium, renew the policy online and do not go in for an office renewal.

I have had BCAA home insurance since 2009.
Perhaps they used the old bait and switch technique getting me in with a low premium and each year increasing the premium for no reason other than them ripping me off.
They are now charging me over 50% more per year than they were in 2009, they have the same old excuses, that I don't believe. I have never had a claim.
My advise to you....stay away from BCAA home insurance, they willl increase your premium each year !!!

I have been a BCAA member for about a year and purchased their home insurance on the top of my condo insurance. I was away for about three months and my insurance expired in between. I am a first home buyer and I am new to the whole insurance system. I was not aware that insurance cancelled because of non-payment is a huge deal here in Canada. I simply thought this is something I purchase on a voluntary base and if I do not renew or make payment, it just expired. However, I called BCAA yesterday to buy a new home insurance(3 months after my insurance expired). Firstly, they treat me like some sort of criminal, asking me all kinds of personal questions. Then they just told me that they refuse to provide me insurance in the future (He even said, Permanently..) I was shocked by their attitude and how they made a decision based on a few questions.

During my absence, my house was occupied by a very close friend and my boyfriend only, my deductible limit is very high as well and I do not understand how a company could treat a member like this. I am just gonna cancel my membership and "permanently" I am gonna purchase anything from them anymore. (I am not even allowed to in this case..)

The added on a bunch of unneeded and unoffered extras to my initial quote without telling me. Made it seem like their "discounts" would be coming off the quoted amount however they were already factored in. Didn't email me the quote as promised. Charged my credit card before I agreed to their terms. Spoke with an assistant manager and manager and both seem to be in on the scam and it took six phone calls to resolve, but I finally got a refund and took my business elsewhere. Bottom line they are out to rip you off at every turn, I can only imagine what a nightmare ordeal it would be if you actually had to deal with a claim through them!

After being a BCAA home insurance customer for nearly 30 years, our home was destroyed in a fire. ( BCAA contracts out it’s adjusting to a 3rd party in our area.). We had full replacement insurance for our contents. Our experience has been poor, especially in the area of getting reimbursed for our contents. Without rhyme or reason, they will pay for some things, and not for others, even if such things are on our schedule. We have submitted detailed purchase details as requested for items (same “like, kind, and quality” as we were instructed), including receipts - only to have many not paid for with no explanation. We often don’t get replies to inquiries for several weeks, and tried contacting the assigned BCAA “examiner” for assistance when we were being stonewalled by the adjuster. No help what so ever. Home restoration - BCAA has not held the restoration company accountable to the timeline they promised (we were given a choice of 3 different restoration companies and told that we had the “choice“ to select one, but that BCAA would only go with the lowest bidder). The restoration company we chose proposed a timeline that would have us back in our house 6 months after the home was destroyed. We weren’t back in for almost 17 months. The insurance company has no problem holding it over your head (as a claimant) that you must keep your purchases to a “reasonable” minimum (we were even coached to look for replacement contents at a garage sale. Yet they are not willing to hold a restoration company accountable to a timeline, even though it is costing the insurer thousands of $$$ in additional living expenses to keep us in rental housing while out of our home. I wish that I had engaged a lawyer from the beginning, but being naive, I thought that BCAA would be truly there to help us and that the adjuster was on our side. In hindsight, I should have engaged a lawyer's assistance immediately. Would not recommend this company at all.

We have experienced the worst customer service from a BCAA representative. Melanie C. was absolutely horrible to deal with while trying to negotiate our home insurance. She was rude, extremely condescending, absolutely lacking in professionalism and decorum. Our story is similar to many; inexcusably let our insurance lapse while away and when it was realized we were told BCAA would no longer be able to carry our insurance. Which is fine, it's their policy to cancel for non payment and really, it's not a big deal, we managed to get insurance immediately for the same cost. However, it was the manner in which it was handled by Ms. C. Being BCAA clients for over 10 years, Ms. C. clearly enjoyed giving the bad news and took the opportunity to belittle us with insults in a condescending tone unnecessary for any situation. I have and will continue to make friends and family aware and suggest they use anyone but BCAA. Sad, as we were so pleased with them and has recommended them over the 10-12 years we were with them. I would suggest this representative either be trained in customer service, take an anger management class or be relieved of her duties.