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Living in one of the most beautiful provinces in the country has its perks. With a population of over 4.5 million people, it’s no wonder Canadians flock to British Columbia given its diversity and rugged vibrancy. Every homeowner has different living preferences, and it’s important that their home insurance reflects that. That’s why Megson FitzPatrick provides residential coverage specialized to suit your needs.
Megson FitzPatrick’s insurance services will work with you to find you the best rates and ensure that you aren’t paying for anything that you don’t need. We can provide you with a quick home insurance quote so that you can get started on figuring out your personalized policy in no time flat.
Megson FitzPatrick Offers the Best Home Insurance Coverage
In order to maintain your peace of mind, home insurance provides you with coverage that is right for you. Our home insurance brokers will be able to work with you in order to determine what’s best for your home and lifestyle. We are available to discuss your policy limits and additional coverage options, based on your budget, needs, location, and home.
As a proudly independent insurance broker, Megson FitzPatrick knows that your home and assets are important to you. An asset for being an independent broker is that they work with many insurance companies. That allows your broker to really find the best coverage at the best price. You get choice and competition.
We’re dedicating to providing you personalized and innovative insurance with risk management solutions to protect you and your property, so you don’t have to worry.
It’s the question on everyone’s mind – “how do I get the best home insurance rates?” There are a number of factors which go into determining home insurance rates in British Columbia, including:
It’s important to be aware of these factors in order to start saving on your home insurance. Here are a few ways you can do that:
Coverage for home insurance will always vary by your insurance provider. Basic home insurance will generally cover your home, outbuildings, and belongings from perils like fire, storm, wind, hail and theft. This also includes coverage for any evacuation expenses, food spoilage, lock replacement, additional living expenses, and identity theft.
You want what coverage protects your home best, and so a basic home insurance policy might not suit your needs. That’s alright – there’s a wide range of many additional coverage options known as ‘endorsements’ which can provide protection for belongings and certain types of damage which wouldn’t be ordinarily covered by your home insurance policy. Other policies can cover the costs you might come across while rebuilding or repairing your home after a loss. Some of these add-ons are:
The west coast of Canada has been known to experience a high number of earthquakes. British Columbia is anticipated to have a large earthquake within the next five decades – so what does that mean for your home insurance? Most home insurance does not cover earthquakes, but you can get protection through an endorsement.
Earthquake coverage works to protect your home, other structures and personal belongings from damages in the event of an earthquake. This includes associated shocks within a period of time but also resulting in landslides, avalanches, volcanic eruptions and other earth movements as a result of the earthquake.
Tsunamis, flood, wave, or other damages are not covered by this endorsement. Hail, rain, wind and snow are as long as the earthquake caused your home to be vulnerable first. This type of damage would also be covered under your regular home insurance. However, it can get complicated if an earthquake occurs, causes damage, which in turn worsens the damage from a storm. That’s why it’s important to have earthquake coverage.</
The premium for earthquake coverage is based on risk, but is normally affordable. The higher risk you are for an earthquake, the higher the premium will be.
These are only some of the locations we serve, we can write policies for businesses or residents located anywhere in BC.
At Megson FitzPatrick, we want to help you get back to your normal, no matter what that is. Get started with us today with your free home insurance quote!