Western Coast Insurance Services Ltd.

Products And Services

• Business Insurance

  Do you want to save time and money? We do business insurance shopping for you. We work with Canada’s leading insurance partners to get you the right coverage at the right value. We work with: Garden Centres Plumbers Oil & Gas Industry Small Business Restaurants Construction & Trades Professionals Hotels & more.

  Link: Business Insurance

• Home Insurance

  We work with Canada’s leading insurance partners to get you personalized coverage for your home at the right value for you. Active nationwide. Your home is one of the biggest investments you’ll ever make. Whether you own a house, condo, mobile home, or rent an apartment, home insurance in British Columbia ensures that your home, belongings, and liability are protected from unexpected disasters. At Western Coast Insurance, we provide tailored home insurance solutions designed to safeguard what matters most to you. A comprehensive British Columbia home insurance policy from Western Coast Insurance protects against: Dwelling Protection – Covers the cost to repair or rebuild your home due to fire, theft, vandalism, and severe weather. Detached Structures – Protects garages, sheds, and fences from covered perils. Personal Belongings – Ensures your furniture, clothing, electronics, and valuables are covered for damage, theft, or loss. Liability Coverage – Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. Additional Living Expenses – Covers temporary housing and daily expenses if your home becomes unlivable due to a covered loss. Homeowners insurance in British Columbia protects your primary residence against risks like fire, theft, and weather-related damage. Our policies include: Guaranteed Replacement Cost Coverage – Ensures your home is rebuilt at current market costs, even if prices increase. Sewer Backup & Overland Water Coverage – Additional protection against floods and water damage. Earthquake Insurance – Essential in regions prone to seismic activity, covering repairs and rebuilds.

  Link: Home Insurance

• Car Insurance

  Easily top up your ICBC plan with optional car insurance addons at Western Coast. In British Columbia, when you purchase car insurance, you'll be required to buy basic mandatory coverage from ICBC. Western Financial Group is authorized to sell ICBC policies and optional car insurance add ons, and we offer various convenient ways to purchase, including email, phone, or in-person at any of our locations across BC. Why choose Western for your ICBC Car Insurance needs: Expertise: Our team of insurance professionals has extensive knowledge of ICBC Car Insurance and can help you make informed decisions about your coverage options. Customization: We understand that every driver has unique insurance needs, and we work with you to customize your policy to meet those needs. Customer service: We are committed to providing excellent customer service and are always available to answer any questions you may have about your policy. Competitive pricing: We strive to offer competitive pricing for our insurance products, and we work with you to find the best coverage options at a price that fits your budget. Convenience: We offer a range of online and in-person services, making it easy for you to manage your policy and make changes as needed.

  Link: Car Insurance

• Boat Insurance

  Our boat insurance experts will get you the right marine insurance so that you’re confident when you’re out on the water. Your home insurance policy provides limited coverage for watercraft and often restrict what they will insure based on length and/or horsepower of your boat. Benefits of boat insurance Boat insurance provides financial protection if your speedboat, sailboat, personal watercraft, or any other type of watercraft is involved in an accident, is damaged or stolen. Boat insurance includes liability coverage in case you are responsible for another person's injuries or property damage.

  Link: Boat Insurance

• Electric Car Insurance

  In some ways electric vehicles (EVs) are easier to care for than gas powered cars. They have fewer fluids, and do not need new spark plugs, or oil or gas filter changes. They do not have multi-speed transmissions or exhaust systems. EVs, though, do require specific care. Insure your electric car and learn more about electric car ownership with our expert insurance team.

  Link: Electric Car Insurance

• Renter's Insurance

  We work with Canada’s leading insurance partners to get you personalized coverage for your apartment or condo at the right value for you. Active nationwide.

  Link: Renter's Insurance

• Motorcycle Insurance

  Motorcycle insurance is similar to personal car insurance and can provide third-party liability, comprehensive, and collision insurance. You must have the same liability insurance as any other driver when driving your motorcycle and it protects others and their property if your vehicle is involved in an accident. Our Western Coast insurance advisors start with mandatory ICBC coverage and can then advance your policy to the next level. We’re about the best coverage, because you and your ride are worth protecting. In British Columbia, basic Autoplan (ICBC) is the minimum insurance coverage required by law to operate a motorcycle. From there, optional coverage is available for optimized protection. Are you an experienced motorcycle rider with a good driving record? If so, you may be eligible for our innovative product at highly competitive rates* so you can set off down the highway.

  Link: Motorcycle Insurance

• Commercial Fleet Insurance

  Western’s Fleet and Commercial Auto team offers both ICBC Fleet Insurance and private insurance. Clients have direct access to experienced Fleet Specialists and customized reporting services, including claims analysis and Fleet schedules. The business use of a vehicle defined by ICBC refers to a vehicle being used in your profession and includes being paid for its use. (Not delivery or carrying goods.) Western’s Fleet and Commercial Auto team prides itself on its professional service that’s dedicated to your needs as commercial auto customer. We build long-term relationships with our clients by providing you with the highest level of service to you at the right value for your business vehicles. Western’s Fleet and Commercial Auto team offers both ICBC Fleet Insurance and private insurance. Clients have direct access to experienced Fleet Specialists and customized reporting services, including claims analysis and Fleet schedules.

  Link: Commercial Fleet Insurance

• ICBC Renewal

  In British Columbia, when you purchase car insurance, you'll be required to buy basic mandatory coverage from ICBC. Western Financial Group is authorized to sell ICBC policies, and we offer various convenient ways to purchase, including email, phone, or in-person at any of our locations across BC. Process your ICBC renewal with us today! Why choose Western for your ICBC Car Insurance needs: Expertise: Our team of insurance professionals has extensive knowledge of ICBC Car Insurance and can help you make informed decisions about your coverage options. Customization: We understand that every driver has unique insurance needs, and we work with you to customize your policy to meet those needs. Customer service: We are committed to providing excellent customer service and are always available to answer any questions you may have about your policy. Competitive pricing: We strive to offer competitive pricing for our insurance products, and we work with you to find the best coverage options at a price that fits your budget. Convenience: We offer a range of online and in-person services, making it easy for you to manage your policy and make changes as needed.

  Link: ICBC Renewal

• Farm Insurance

  Farm insurance often combines parts of personal (farmhouse) and business into one policy. Farm insurance protects farm buildings like barns and silos and your home; protects against lawsuits for personal injury or property damage claims related to your farming operations and products; protects against the loss of livestock, crops, dairy and eggs due to illness, contamination, and viruses. We know farming: Many of our insurance experts at Western Financial Group have farmed, are from farming families, or have family in the industry. Our insurance experts understand that farm, ranch, orchard, and hobby farm insurance is unique.

  Link: Farm Insurance

• Tenant Insurance

  Tenant Insurance in British Columbia - Protect Your Home with Western Coast Insurance A comprehensive British Columbia tenant insurance policy from Western Coast Insurance includes: Personal Property Protection: Coverage for your belongings, such as furniture, electronics, clothing, and valuables, against risks like theft, fire, vandalism, and certain water damages. Liability Coverage: Protection if you're found legally responsible for causing injury to others or damage to their property, both within your rental unit and elsewhere. Additional Living Expenses: Reimbursement for extra costs if a covered event renders your rental home uninhabitable, covering expenses like temporary housing and meals. Factors Influencing Your Tenant Insurance Premium Several factors can affect your tenant insurance premium, including: Location: Proximity to fire stations, history of natural disasters, and local crime rates. Coverage Limits: The amount of coverage you choose for your personal property and liability. Deductible Amount: Higher deductibles can lower your premium but mean paying more out-of-pocket in the event of a claim. Security Features: Homes equipped with security systems or smoke detectors may qualify for discounts. Available Discounts You may qualify for discounts if you have: Monitored Security Systems: Installing alarm systems can reduce the risk of theft, potentially lowering premiums. Claims-Free History: Maintaining a record free of insurance claims can lead to discounts. Bundled Policies: Combining tenant insurance with other policies, like auto insurance, can result in savings.

  Link: Tenant Insurance

• Life Insurance

  Do you want life insurance to be less complicated? We work with Canada’s leading insurance partners to get you the right life insurance coverage at the right value. How can life insurance protect you? Helps cover final expenses such as a funeral/cremation Helps pay off any debts Helps pay off your mortgage Helps with other obligations such as caring for elderly parents Provides funds for your children’s education Contact us today to get a quote for life insurance in British Columbia!

  Link: Life Insurance