BCAA Home Insurance at a Glance
| Feature | Answer |
| Available in Canada? | Yes, for customers in British Columbia and Yukon. |
| Available in Ontario? | No. BCAA does not serve Ontario residents. |
| Distribution | Direct through BCAA Insurance Agency online, by phone or at a BCAA service location. |
| Underwriting company | BCAA Insurance Corporation for the BCAA comprehensive home policy reviewed. |
| How to get a quote | Start online or call 1-888-268-2222. |
| How to report a claim | Submit a home claim online or call 1-888-268-2222, 24/7. |
| Digital account or app | Online purchase and web claims are available; no dedicated home-insurance function in the BCAA roadside app was verified. |
What BCAA Home Insurance May Protect
- Property coverage may include the home, attached and detached structures, personal belongings and increased living expenses after an insured loss or mass evacuation.
- The reviewed comprehensive wording includes personal liability, subject to the policy limit, conditions and exclusions.
- Examples in BCAA’s coverage guide include fire and smoke, theft and vandalism, wind, hail and lightning, and sudden water escape from inside the home.
- Optional extras in the policy wording include earthquake, identity theft, residential-rental and flood-related endorsements. Availability, limits and deductibles must be confirmed on the declaration page.
BCAA Home Insurance Savings for Eligible Members
- BCAA’s published material advertises member savings and additional loyalty savings for consecutive years with BCAA home insurance.
- A home-and-car combination saving may be available to eligible BCAA members.
- Claims history, deductible, monitored protection systems, age and mortgage-free status may affect the premium. The exact discount must be confirmed in the quote.
How to File a BCAA Home Claim
BCAA Customer Rating Compared With Home Insurers
| Insurance provider | Company’s Online Rating |
|---|---|
| BCAA | 2.1/5 |
| CIBC | 1.3/5 |
| Desjardins | 2.4/5 |
| TD | 1.2/5 |
| The Personal | 2.9/5 |
BCAA Home Insurance
BCAA Insurance Agency sells insurance over the internet, through service centres and by phone.
BCAA is a member of the Canadian Automobile Association, and provides membership and automotive and mobility services in British Columbia and Yukon.
Note that the insurer of the reviewed comprehensive home insurance document is BCAA Insurance Corporation which is distinct from other services provided by BCAA, such as membership or roadside services.