Home Insurance Prince George: Rates, Quotes, Consumer Tips

Home Insurance Prince George: Intro

Home InsuranceWelcome to your Home Insurance Guide for Prince George. This page will give you an idea of Home Insurance Premiums in British Columbia, will inform about savings opportunities and also provide number of other useful tips for choosing Home Insurance protection in Prince George.

Get a free quote

What Are Typical Home Insurance Premiums In British Columbia?

This chart illustrates the average Renters and Homeowners Insurance premiums in British Columbia and other provinces including Home Insurance in Prince George. Renters insurance rates are typically lower than home owners premiums due to the nature of insurance: Renters insurance typically covers only the content of your rented property and sometimes liability. It does not cover the building itself since it is covered under the insurance property of the homeowner. Overall consumers spend more on Home Insurance in British Columbia because of the several reasons:
Earthquake protection: Seismic activity of the region often results in additional coverage (insurance riders) against earthquakes that customers prefer to purchase to have a peace of mind. It is especially important along the coast.
High rebuilding costs: High share of more expensive real estate indirectly impacts home insurance premiums. Though home insurance is driven by rebuilding costs as opposed to market value of a property, British Columbia has a high share of premium, more expensive properties that are more expensive to rebuild. In addition to that construction of the buildings is sometimes more complicated than in other provinces since these should be build considering seismic hazards (e.g. special structure, lateral bracing requirements)

Get a free quote

How Can You Save on Home Insurance in Prince George?

  • Heating: Insurers like forced-air gas furnaces or electric heat installations. If you have an oil-heated home, you could be paying more for insurance. Keep this in mind when you are house hunting.
  • Welcome discount: Switching providers? There may be a welcome discount. Don’t be afraid to ask about it. (e.g. Grey Power Insurance)
  • Mortgage-free home: When you pay off your home, some insurers will reward you with lower premiums (e.g. RBC Insurance, Cooperators)
  • Look around and do your research: There are many insurance providers and their prices for the same policies can be very different. Take advantage of online tools and talk to several brokers, since each will cover a select number of insurance companies.
  • Pipes: Insurers prefer copper or plastic plumbing. Consider upgrading your galvanized/lead pipes during your next renovation cycle.
  • Decrease liability risk: Decrease your liability with a common-sense approach to hazards. Fence off your pool. Keep aggressive dogs on a leash. Shovel the snow and ice from your walkway.
  • Change your content coverage: Do you rent an apartment or condo? You can often lower your content coverage. No need to insure your belongings to up to $250,000 if you only have a laptop and some IKEA furniture!
  • Stability of residence: Lived in the same residence for years? You may be eligible for a stability discount. A few insurers offers one. (e.g. Grey Power Insurance)
  • Monitoring: Is there other security like a doorman or security guard on the premises? This may mean an additional discount.
  • Interested in more saving tips for Home Insurance in Prince George? Get an insurance quote below and connect with an experienced insurance professional to get more tips

Get a free quote

Our Publications related to Home Insurance

Infographic: Real Estate Market in Toronto and Canada – Fall 2017

Infographic: Real Estate Market in Toronto and Canada – Fall 2017

It looks like Canadian real estate is in for a slower-than-usual autumn. The typical back-to-school September buying rush was notably subdued this year, reveals the latest national market analysis from the Canadian Real Estate Association (CREA). According to September’s data, home sales have plu[...]
Home Insurance Claims in Canada: 2017 Study & Tips for You

Home Insurance Claims in Canada: 2017 Study & Tips for You

The real value of insurance is not just determined by insurance rates. The ability of the company to cover insurance claims, and the ease of the process when the policyholder makes a claim, are also very important. This is vitally important for home insurance in particular because a home is one o[...]
Insurance for Short-Term Rentals: What You Must Know

Insurance for Short-Term Rentals: What You Must Know

The business of insurance is said to be a tricky one because you might never know what type of policy you have until it is time to file a claim. Toronto townhouses and condos are usually covered by homeowners insurance policy. But here is what a lot of people are not aware of - These policies[...]
Is Ontario’s Hottest Real Estate Market Cooling Off?

Is Ontario’s Hottest Real Estate Market Cooling Off?

Home sales across Canada fell by 6.2 per cent in June, largely on the back of a huge decline in Toronto, the Canadian Real Estate Association reports. The Greater Toronto Area experienced the largest decrease in sales, with 6.7 per cent fewer homes trading hands. This greatly contributed to a downtu[...]
Hidden Closing Costs for Your New Condo

Hidden Closing Costs for Your New Condo

For many buyers scoping out pre-construction condos, monthly maintenance fees are often a top concern. “How much are condo fees?” and “Will they increase?” are usually the first set of questions brought up to Realtors after discussions around location and asking prices have been put to rest. Howe[...]
magnifier  Home Insurance by Province
Home Insurance in AlbertaHome Insurance in British ColumbiaHome Insurance in Manitoba
Home Insurance in OntarioHome Insurance in Saskatchewan
magnifier  Home Insurance by Location
Home Insurance in Ajax
Home Insurance in Kitchener
Home Insurance in Richmond Hill
Home Insurance in Barrie
Home Insurance in Lethbridge
Home Insurance in Richmond
Home Insurance in Brampton
Home Insurance in London
Home Insurance in Sarnia
Home Insurance in Brantford
Home Insurance in Maple Ridge
Home Insurance in Saskatoon
Home Insurance in Burlington
Home Insurance in Markham
Home Insurance in Scarborough
Home Insurance in Burnaby
Home Insurance in Medicine Hat
Home Insurance in St. Catharines
Home Insurance in Calgary
Home Insurance in Mississauga
Home Insurance in Sudbury
Home Insurance in Cambridge
Home Insurance in Nanaimo
Home Insurance in Surrey
Home Insurance in Coquitlam
Home Insurance in Newmarket
Home Insurance in Thunder Bay
Home Insurance in Edmonton
Home Insurance in Oakville
Home Insurance in Toronto
Home Insurance in EtobicokeHome Insurance in Oshawa
Home Insurance in Vancouver
Home Insurance in GTA
Home Insurance in Ottawa
Home Insurance in Vaughan
Home Insurance in Guelph
Home Insurance in Peterborough
Home Insurance in Victoria
Home Insurance in Hamilton
Home Insurance in Pickering
Home Insurance in Waterloo
Home Insurance in Kamloops
Home Insurance in Prince George
Home Insurance in Windsor
Home Insurance in Kelowna
Home Insurance in Red Deer
Home Insurance in Winnipeg
Home Insurance in Kingston
Home Insurance in Regina