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Whistler home insurance

Whistler, North America’s largest ski resort, is a mecca for tourists and locals alike. If you decide to purchase a home here, keep in mind that you may need home insurance, like everywhere else in British Columbia. No, it’s not legally mandatory, but some lenders may require it to protect their investment in your home.

Because your home is likely to be one of your largest purchases (for most Canadians, it is their largest purchase), you’ll want to protect it from unforeseen yet costly circumstances, such as an earthquake. A disaster like that can cause extensive damage to not only your home, but the contents within it. And it so happens that British Columbia sits in an earthquake zone.

Flooding can also occur, with heavy downpours, freezing levels and soil saturation levels. Winter storms, landslides and high winds are a problem for homeowners in Whistler as well, adding to the reasons why home insurance is so important.

The home insurance industry in Whistler is regulated by the British Columbia Financial Services Authority (BCFSA) to protect financial services transactions for all British Columbia residents and consumers. It also ensures that home insurers (and other financial service companies):

Also, many mortgage lenders may require you to have Edmonton home insurance as part of your financing agreement.

If you’re looking for the cheapest home insurance rates in Whistler, be sure to compare quotes on LowestRates.ca.

Different types of home insurance coverage in Whistler

If you’re looking to buy (or already own) a home in Whistler, and you’re seeking home insurance, you should familiarize yourself with how it works and what sort of coverage you should expect.

Broadly speaking, here’s what most home insurance policies cover in British Columbia:

Home insurance policy differences

Depending on your finances and the amount of coverage you’d like, you may choose one out of several insurance policy types. As a rule, the cheaper the policy is, the less it will cover.

Here are the four major ones:

Commonly covered perils

Not every peril that can damage your home or its contents is covered by insurance, especially if we’re talking about basic insurance. Here’s what usually gets covered:

Optional coverage

If you’re worried that certain perils are more likely to affect your home than others, you should always consider adding them to your coverage in the form of home insurance endorsements. Here are some of the most common optional coverages:

How we find you the best home insurance in Whistler

Home insurance is not legally mandatory in Whistler, nor is it public, unlike auto insurance. This means you have many options when selecting your ideal coverage and premium – whether you’re a Whistler resident or tourist.

The issue, of course, is that you can’t really know what premium you’re going to get until you contact the insurer directly. Premiums are highly individualized, and as a result, an insurer can’t just give you a flat rate. Not until they know certain details about you. This may lead to the time-consuming process of contacting insurers one by one.

However, you can make this easier with LowestRates.ca. We’re partnered with over 50 insurance providers, all of whom are willing to provide you with their cheapest quote. All you need to do is enter a few details about yourself into our form and start comparing quotes within seconds. Give it a try!

Factors that determine your home insurance quote in Whistler

Your Whistler home insurance quote is determined by many factors including:

  1. Property type: Your home’s construction and size can easily affect your insurance rates. An example are semi-detached homes, which pose greater risk due to their attachment to other homes.
  2. Credit score: Whistler home insurance providers look at all kinds of risk when determining premiums. A good credit score can help you secure a better rate, as you are considered a lower risk.
  3. Replacement cost: Higher-end homes with newer construction would cost more to replace and repair, leading to higher insurance rates. Notify your insurance provider of any renovations, which can be added to the replacement cost. This could change your premiums as well.
  4. Location: Homes in safe neighbourhoods, close to fire stations or in non-flood zones can help reduce risks and insurance premiums.
  5. Internal construction: Older homes, built with older systems or wiring, can pose fire risks. Also, older pipes could lead to water damage over time. Consider upgrading them to reduce the risk of damage to your home and save on insurance premiums.
  6. Roof: Protection from the elements and potential water damage can be achieved with a new roof made from durable materials. Older roofs are likely to increase the cost of your premium, as they increase the likelihood of damage and repairs.
  7. Past claims history: Whistler home insurance companies will use past claims histories as a predictive tool to assess rates. More claims could lead to higher insurance premiums. Try asking for a claims forgiveness discount.
  8. Pets: Pets can cause damage to a property but also be a liability issue, causing insurance premiums to go up. Exotic animals could also affect your rates.
  9. Special/commercial use: Using your property as a business can increase liability and damage risk, especially if you use it as a short-term rental property or daycare.
  10. Pool and other accessory dwellings: More structures and accessories on your property add risk and liability. Pools are fun but have a dangerous side. That’s why pool fences are mandatory in British Columbia, as they help protect you and others from the risks associated with unsupervised pools.

Risk factors for homeowners in Whistler

Whistler has both similar homeowner risks to other parts of the country as well as ones unique to the area.

 

Tips on how to lower the cost of your home insurance policy in Whistler

You can lower the cost of your home insurance policy in Whistler by trying the following:

  • Comparison shopping: Quote comparison sites like LowestRates.ca will provide multiple quotes from the top insurance providers in your area.
  • Customization: Review your home insurance policy yearly to assess what you require and what should be eliminated. Talk to your provider about your policy needs and customize it to meet them.
  • Deductible: Increasing your deductible reduces risks for your insurance provider and allows for lower premiums.
  • Safety: Security alarms as well as smoke and carbon monoxide detectors increase the security and safety of your home. This reduction in risks can lead to cheaper premiums, as the likelihood of claims being filed is lowered.
  • Pay up front: Homeowners who pay for their insurance in full at the beginning of the policy term may be eligible for discounts. That’s because insurers get to save on administrative fees this way, and they pass those savings along to their clients.

Frequently asked questions about home insurance in Whistler

How much is home insurance in Whistler?

Home insurance premiums in Whistler are determined by many factors. Each homeowner has individual needs, lives in a different neighbourhood and may have varied claims histories.

Getting homeowner insurance beyond the basic coverage will cost more, but you should consider it all the same, as flooding and earthquakes are very real risks in British Columbia. Not having the insurance up front could cost thousands more in the long run.

What can you do to save on home insurance premiums in Whistler?

The first thing to do is comparison shop on sites like LowestRates.ca. You’ll be able to compare quotes from the top providers in the area. Also, you should look at the construction of their home and see where repairs are needed to reduce damage risk. Installing safety and security alarms can also reduce risks, and premiums. Paying up front and increasing your deductible can also lead to discounts, as they reduce costs and risks for your Whistler home insurance provider.

What are the best home insurance companies in Whistler?

The best home insurance company in Whistler is the one that can suit your needs within your budget. Shop around and compare the various companies to see who offers the best rates with the most comprehensive coverage. Check out LowesRates.ca or talk to a broker about your specific needs.

What if I own a condo or rent? Can I still buy property insurance online?

The short answer is yes. Sites like LowestRates.ca can provide you with quotes from top insurance providers in Whistler for condo or rental insurance. You can also talk to a broker about the best options that suit your individual needs.

Joel Kranc's picture

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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*Shoppers who obtained a property quote on LowestRates.ca from January to December 2021 saved an average of 31%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca. Excludes tenant and condo insurance.