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Updated
Prince George is a city in British Columbia on the Fraser and Nechako rivers. And much like the rest of Canada, home insurance is not a legal requirement there.
However, not having home insurance can have severe consequences. Firstly, many lenders in B.C. will not provide financing to homebuyers who do not take out home insurance in Prince George, and so while it remains voluntary, it’s unlikely that homeowners wouldn’t have it.
Also, your home is likely your most valuable asset – something you’d want to protect. Home insurance in Prince George will do that by protecting you for covered perils as well as liability protection, in case someone is injured on your property, for example.
Outside of liability risks and covered perils, home insurance in Prince George can help protect you from the increasing number of climate-related events that have been occurring. The Insurance Bureau of Canada reports that in 2021, insured damage for severe weather events reached more than $2 billion, ranking it as the sixth highest in insured losses since 1983.
The type of protection you can expect to receive when taking out home insurance in Prince George will include:
Property and building – This coverage protects both your home (the physical structure) as well as the property it sits on. Theft, water damage, and fire are the main incidents you will be protected against, but there are others. Speak to your Prince George insurance provider about what else is covered.
Contents and personal property – Items you own within your home are protected under this coverage. This can include clothes, furniture, electronics and more. Some Prince George homeowners may want to take out extended home insurance on more valuable items such as art, jewelry, or fine wine.
Additional living expenses – Should an event such as a fire or flood temporarily displace you from your home, additional living expenses insurance would help cover the costs of hotels, food and sometimes moving, up to certain amounts.
Personal liability – This coverage protects you in the event that someone accidentally injures themselves on your property.
Voluntary medical payments – What if you are not legally liable for an accident? This coverage pays so-called reasonable medical expenses for up to a year after an accident when you unintentionally injure another person or if they are accidentally injured on your property.
Voluntary property damage – This will pay for unintentional direct damage you cause to property even though you are not legally liable. You may also use this coverage to reimburse others for direct property damage caused intentionally by an insured person.
Add-ons, or riders, are additional coverages that are not part of a basic Prince George home insurance policy. Depending on your area and what your needs are, you may want to consider additional coverage such as:
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| Company | Company Type | Phone Number | Address |
|---|---|---|---|
| Brownridge & Co. Insurance Services | Insurance agency | 250-564-0002 | 1198 Victoria St, Prince George, BC V2L 2L2 |
| Hub International | Insurance agency | 250-564-1777 | 3055 Massey Dr #111, Prince George, BC V2N 2S9 |
| InsuranceHotline.com | Quotes comparison | 1 (855) 821-7312 | 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 |
| Johnson & Meier Insurance Agencies Group | Insurance agency | 250-653-9217 | 901 Victoria St, Prince George, BC V2L 2K8 |
| LowestRates.ca | Quotes comparison | 1-855-487-6911 | 730 Alexander St. Unit #1, Vancouver, BC V6A 1E3 |
| RATESDOTCA | Quotes comparison | 1- 844-726-0907 | 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 |
| Sussex Insurance | Insurance agency | 250-563-6337 | 2155 Ferry Ave, Prince George, BC V2N 5E8 |
| Westland Insurance | Insurance agency | 250- 562-1157 | 687 Central St W, Prince George, BC V2M 3C6 |
Homeowners in Prince seeking home insurance may want to consider a recent update by the city’s municipal council on risks to residents.
In 2021, the city said atmospheric hazards and other risks such as the following ranked high on the list:
Other risks may include:
Having a long-standing relationship with your insurance provider, with no claims, can affect your Prince George home insurance.
The higher the cost to replace your home in case of damage, the higher your Prince George home insurance rates will be.
High crime areas or areas that are prone to flooding, for example, can affect your home insurance rates in Prince George.
An older home may have faulty wiring and other plumbing systems that are antiquated. This could lead to a high number of repairs and claims, meaning high insurance rates.
A good credit score can help reduce insurance premiums.
Insurance companies want to know you are a low risk to them. A greater number of claims means higher risk and higher home insurance rates in Prince George.
Here’s everything you’d like to know about Prince George home insurance...
Home insurance is personal and customizable depending on the homeowners’ needs. Each company may offer different rate discounts, coverages or support that is relevant to you. It is best to comparison shop and seek out providers that suit your needs.
Shop around. Homeowners seeking insurance in Prince George can get up-to-date quotes from top insurance providers in a few clicks by using sites like RATESDOTCA.
Other ways to save money on Prince George home insurance include bundling many policies under one provider. Also, agreeing to a “soft credit check” that can reduce rates if your score is good, but will have no effect if your score is less than stellar.
Also, having a history of not making claims lets insurance providers know you are low risk and offers them assurances that can keep your Prince George home insurance rates low.
*Shoppers who obtained a home insurance quote on RATESDOTCA from January to December 2023 saved an average amount of $417. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA. Excludes tenant and condo insurance.
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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