Home Insurance
Looking for Home Insurance in Port Coquitlam, Coquitlam, Port Moody or anywhere else in BC? You’ve come to the right place. Your home may be the most important purchase of your life, so protecting it requires the knowledge and dedication that Poco Insurance can provide. Our team takes the time to understand your specific situation and helps you select the optimal coverage to safeguard your home and its belongings.
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Home INsurance Features
Home Insurance Features
What is Home Insurance? In its simplest form, Home Insurance includes:
Covers your Home’s structure including: fixtures, decks, pools, and attached garages, against a wide range of perils.
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Extend your coverage to include other buildings on your property, such as sheds and gazebos.
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Protects the contents of your home against loss or damage, including electronics, appliances, furniture, and other personal belongings.
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Provides financial support for additional expenses, such as hotel stays and meals, if you're temporarily displaced from your home following a claim.
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Gives legal protection against accidental property damage or bodily injury caused to others.
Your policy can be fully customized with additional protection against Sewer Backup, Flood, Earthquake, and more!
Why Insure your home with Poco Insurance?
Choosing Poco Insurance means you're receiving a blend of local expertise and product knowledge in order to safeguard your home. We've been insuring homes in Port Coquitlam for over 30 years so you can rest assured you're getting the best advice from your friendly, locally based brokerage.
Get a Custom Home Quote
Frequently Asked Questions About Home Insurance
Navigating home insurance can bring up many questions. Below, we've compiled answers to some of the most common inquiries we receive at Poco Insurance. For personalized advice, we encourage you to speak directly with one of our knowledgeable insurance agents.
Is my Jewelry or Fine Art covered?
Standard home insurance policies place coverage limitations on certain valuable items, such as jewellery and fine art. For example: Jewellery is often capped at $6,000 to $10,000 per claim. For those requiring higher limits, it can often be purchased for an additional premium.
Does Home Insurance Cover Earthquake Damage?
Earthquake Coverage may be added as an optional endorsement onto many home insurance policies. The premium and deductibles associated with earthquake coverage vary depending on your home’s location and susceptibility to earthquake damage.
Does Home Insurance Cover Water Damage?
Home policies typically include various subcategories of water coverage. Some are automatically included in your base policy, whereas others must be added as an endorsement. Below are the Four primary Water Coverage Subcategories: Water Damage - protects against burst pipes or sink overflow and is standard in most policies. Sewer (Septic) Backup - Covers against the accidental backing up of a sewer or drainage system. Overland Water (Flood) - covers water from pooling rainfall, or the overflow from fresh water rivers, lakes, and streams. Ground Water - protects against sudden water penetration into a home's foundation or basement.
Why Do I Need Home Insurance?
Considering your home is likely the most significant investment you'll make, protecting it—and the contents within—is crucial. The cost to rebuild a moderate sized home, and replace its contents, can easily exceed one million dollars. Home insurance safeguards your assets by transferring this financial risk to the insurance company. Additionally, most mortgage companies require a home insurance policy to be maintained at all times.
How Much is Home Insurance in Port Coquitlam?
The cost of home insurance is influenced by a variety of factors, including the homeowner's age, financial and insurance history, the home's location, age, size, and construction quality. The type of coverage selected and who occupies the property also play a role. Premiums can range from as low as $600 for a small, owner-occupied home with basic coverage, to over $10,000 for a large, luxury property.
Residential Quote Request
Please complete the form below to start your home insurance quote or renewal process. Our team will contact you within 1 business day (excluding weekends and holidays) to discuss your quote and gather any additional information needed.
Need to File a Claim?
We understand dealing with an insurance claim can be a stressful experience. At Poco Insurance, we are here to guide you through the process and make it as smooth as possible.