Home, Tenant and Condo Insurance

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Whether you need house insurance, condominium insurance or tenant insurance, there is a residential policy that’s right for you.
Talk to our helpful insurance brokers in Surrey BC or Maple Ridge BC to discuss policy types, limits, deductibles, and most importantly, what’s covered and what’s not.

Use our “GET A QUOTE" tool to receive more information and obtain an online premium quote.

Get the Best Premium from up to five of Canada’s top insurance companies with no obligation!

Ward Watkins Insurance represents the following insurance companies:
  1. Aviva Insurance Company of Canada
  2. Gore Mutual Insurance Company
  3. Intact Insurance Company
  4. Optimum West Insurance Company
  5. Wawanesa Mutual Insurance Company

DISCOUNTS AVAILABLE FOR:
  • Claims Free
  • New Home
  • Maturity (starting at age 45)
  • Mortgage Free
  • Credit Score
  • Sprinkler System
  • Fire/Burglar Alarm System
  • Deductible Options

Try our GET A QUOTE tool

Information Sheets

common_questions.pdf
File Size: 858 kb
File Type: pdf
Download File
high_value_items.pdf
File Size: 432 kb
File Type: pdf
Download File
home_based_business.pdf
File Size: 1314 kb
File Type: pdf
Download File
home_policies.pdf
File Size: 1515 kb
File Type: pdf
Download File
when_away_from_home.pdf
File Size: 841 kb
File Type: pdf
Download File

Insurance Issues New Home Buyers Should Consider

insurance_issues_for_new_home_buyers.pdf
File Size: 507 kb
File Type: pdf
Download File

Personal Property Inventory:

Even if your memory is good, you may not be able to make a list of all your belongings should your house or apartment be broken into or damaged or destroyed by fire. If you ever have to file a claim with your insurance company, a regularly undated inventory of your personal property will make things easier for everyone.

Personal Property Inventory forms are available free upon request.

Earthquake Coverage

Earthquakes are common in BC and more than 1,200 are recorded each year across the province. Experts suggest there is a 30% chance of a significant damaging earthquake occurrence in British Columbia within the next 50 years. An earthquake like this could destroy your home or contents, or even cause loss of life. Without proper protection, it could take years to recover from this financial devastation.

Earthquake coverage is not automatically included in most property policies. However, if purchased, Earthquake Insurance provides reimbursement for the following if caused by earthquake shake:
  • Damage to your home, detached structures and contents.
  • Out-of-pocket living expenses (or "Additional Living Expenses) in the event your home is uninhabitable.
Additional Resources & Information on Historical and Recent Events can be found on the Natural Resources Canada website:

                            http://www.earthquakescanada.nrcan.gc.ca 

Online Quote Frequently Asked Question (FAQs)

​Q1. Does it cost anything to get a premium quote?
No.  Online premium quoting is a free service provided by Ward Watkins Insurance Brokers.

Q2. Will anyone call me after I get a quote?
Only if you would like further information and complete the Request Contact screen.  This is not required to get a quote.

Q3. How long is my quote good for?
Insurance companies usually adjust their premiums annually.  Once Ward Watkins Insurance Brokers verifies the premium, it is good for a minimum of 30 days.

Q4. Can I get a quote for my automobile insurance online?
No.  At the moment online premium quoting is only available for Homeowner, Condominium & Tenant insurance.  Hopefully, in the future, quotes for other types of coverage will be available.

Q5. Can I buy my insurance online?
No.  This is only a premium quoting system.  You must speak to a licensed insurance advisor and sign a fully completed application.  This can be done over the telephone or in person at one of Ward Watkins Insurance Brokers’ offices.

Q6. Can I pay the premium monthly?
Yes.  Almost every insurance company has a monthly payment plan, for a small additional service charge.

Q7. How long does it take to get a premium quote?
Once you have provided the necessary information to obtain a quote the calculations are virtually instant.

Q8. Can you insure other property?
Usually.  Ward Watkins Insurance Brokers is a BC licensed general insurance broker, and would be pleased to have the opportunity to quote on any other property you may require insured.  Unfortunately, premium quotes are not available online for this property yet.

Q9. Which insurance companies will be providing quotes?
Rates for the following insurance companies are loaded in the system:
Q10. How accurate are the premium quotes?
This is the same system we use in our office, so premium quotes are very accurate, provided the information you supply is correct.  In some cases there may be some additional discounts you may be eligible for.

Q11. Where are the Ward Watkins Insurance Brokers offices located?
Q12. What if I have a question you have not already answered?
You can call one of our offices during regular business hours or drop us a note.
Q13. What if I live in a Mobile Home?
Please call us for a quote. The online quoting system is not setup to provide quotes for mobile homes.

Call a licensed and experienced insurance agent/broker for a quote. We have offices in Cloverdale (Surrey) and Maple Ridge for all your insurance needs.