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Cheap Prince George, B.C. Home Insurance Quotes

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Written by Joel Kranc

Home insurance in Prince George

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:

Home insurance coverage

Property and buildingThis 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.

Liability coverage

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

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:

  • Overland water: This will protect you from overland water issues such as river or lake flooding and melting snow, for example. Talk to your Prince George home insurance provider to see if they offer it.
  • Sewer back-up: Sewer back-up or flooding caused by excessive rain or other events can be protected by this add-on.
  • Earthquake: Canada’s West Coast is more prone to earthquakes. This coverage will compensate you for loss or damage to possessions.
  • Mass evacuation: Should an event such as a forest fire or major flood force you to evacuate your home, this coverage will cover some of the expense associated with that.
  • Identity theft: Thieves are looking for more than your money. Identity theft is a problem and so this coverage can help with expenses related to recovering stolen documents or ID.
  • Lock replacement: A major weather event or certainly a break-in can damage your locks. This coverage protects you from the cost of replacing them.

Recent Prince George home insurance quotes

Recent Home Insurance Quote from Kamloops, BC
Detached 1,542 sq ft
September 29, 2023
Cheapest Quote
$ 115 / month
$1,380 / year
Average Quote
$ 188 / month
$2,256 / year
Savings
$ 73 / month
$876 / year
or
39.00 %
Recent Home Insurance Quote from Kamloops, BC
Detached 896 sq ft
September 29, 2023
Cheapest Quote
$ 64 / month
$768 / year
Average Quote
$ 93 / month
$1,116 / year
Savings
$ 28 / month
$336 / year
or
30.00 %
Recent Home Insurance Quote from Kamloops, BC
Detached 1,241 sq ft
September 29, 2023
Cheapest Quote
$ 123 / month
$1,476 / year
Average Quote
$ 280 / month
$3,360 / year
Savings
$ 158 / month
$1,896 / year
or
56.00 %
Home insurance quotes are compared from Apollo Insurance, CAA, Duuo Insurance, Economical Insurance, Pembridge, Square One Insurance, and SGI

How to get Prince George home insurance quotes on RATESDOTCA

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Which companies offer home insurance quotes in Prince George?

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

What types of risks do homeowners face in Prince George?

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:

  • snowstorms
  • windstorms
  • heat waves
  • cold snaps and other dangerous weather
  • industrial fires
  • wildfires
  • hazardous material spills

Other risks may include:

  • Earthquakes – These can occur given Prince Geroge’s proximity in the West Coast to fault lines and shifting plates.
  • Landslides – Added protection for landslides should be considered near mountainous areas.
  • Flooding – In order to be covered for flooding overland water and sewer back-up coverages must be added to the policy. 

Factors that determine your Prince George home insurance rates

Continuous property insurance

Having a long-standing relationship with your insurance provider, with no claims, can affect your Prince George home insurance.

Replacement cost

The higher the cost to replace your home in case of damage, the higher your Prince George home insurance rates will be.

Location

High crime areas or areas that are prone to flooding, for example, can affect your home insurance rates in Prince George.

Age of your home

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.

Credit Score

A good credit score can help reduce insurance premiums.

Claims

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.

How to get cheap Prince George home insurance premium

  • Pay annually: Paying a lump sum each year gives your insurance provider the capital they require to pay other potential claims. This can lead to discounts for you.
  • Bundle: Bundling other insurance policies such as auto and life can save you between 5% and 15%. Home insurance providers in Prince George want to retain your business and will provide discounts for your loyalty.
  • Comparison shop: Checking sites such as RATESDOTCA is a great way to get up-to-date quotes from the top home insurance providers in Prince George. Consider comparing quotes at renewal time in order to negotiate better rates from your current provider as well as customize your policy.
  • Increase deductible: A higher deductible means you are willing to pay more out-of-pocket expenses prior to your policy’s benefits kicking in. This reduces your risk to the insurance provider and will reduce your home insurance rate.
  • Agree to a credit check: Credit checks are not mandatory but giving your consent to Prince George home insurance providers to do so can lead to discounts. The good news is that, by law, a bad score cannot lead to a higher premium.
  • Maintain a clean record: Having a clean record and no claims tells home insurance providers in Prince George you are a lower risk. They often look at past claim histories as an indicator of future behaviour.
  • Get an alarm: Milton home insurance companies will often provide a discount for a good security system (that may also include smoke and carbon monoxide detection).
  • Update your policy: A good time to look at your policy is at renewal time. You may be over-insured or paying for services you don’t need. It’s also a good time to renegotiate your rates.

Frequently asked questions about Prince George home insurance.

Here’s everything you’d like to know about Prince George home insurance...

Which company offers the cheapest 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.

How do I save on Prince George home insurance?

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 2022 saved an average amount of $500. 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.

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