HOME INSURANCE

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Why this product?

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.

Best Home Insurance Quotes

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:

Insurance and claims history
Where you live (the weather and crime rates in your area)
Your home’s age
The build and features of your home
Your coverage and deductible options

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:

Be honest with your insurance provider. What condition is your home in? When was it built? Do you have security devices installed? Dishonesty can result in your home insurance policy being voided or claims being denied.
Good maintenance and renovating aspects of your home that require updating are the best ways to save money on your home insurance premiums.
Bundle your auto and home insurance. You’re more likely to receive discounts when you use the same company for both your car and home insurance – and some companies reward policy owners who have been with them for a long time.
Keep a good credit record. This makes you more attractive to ensure, and you might be eligible for discounts as a result. Try to ensure that your credit record is kept in check regularly and that all errors are remedied as quickly as possible.
Re-evaluate your coverage annually. Your insurance should reflect what your home’s present value and condition is, especially if you’ve made any improvements or additional purchases.
Don’t submit a claim unless it’s necessary. If you can afford to fix the damage yourself or it’s not much more than your deductible, it’s better, in the long run, to not submit a claim.
Stay insured. Insurance companies reward customers who have insurance history
Install mitigation devices such as security alarms, sump pumps, water alarms, and sewer backup valves. Some insurers offer discounts if you have these items or provide incentives for you to install them after a covered loss.
Discuss your options with a home insurance broker. They can find you the best prices because they work with a variety of companies. They’ll also help you choose the best coverage based on your needs and budget.

Types of Coverage Available

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:

Bylaw coverages – Covers bringing your home up to code after an insured loss. More and more, this is being included in basic home insurance coverage
Fair rental value – If you rent your home or rent out a room in your home, you’re eligible for lost income coverage in the event of an insured loss or an evacuation.
Glass repair and replacement – Repairs or replacement to glass doors and windows. Often included in basic coverage
Overland water coverage – This covers “overland” water damage, such as a flood. Generally, this is the overflow of any fresh body of water or due to rapid accumulation of rain or snowmelt.
Collector coverage – If you have a special collection like coins or comic books, this coverage will ensure it’s protected.
Vacant home coverage – If you’re leaving your home vacant for some time, you’ll need this home insurance coverage.
Storage coverage – If you have items in storage, this add-on will extend your home insurance coverage to insure those items.
Service line repair or replacement – Did you know that homeowners are financially responsible for replacement or repairing service lines on their property? This can include sewer and water lines, internet and power cables, as well as irrigation. This coverage will help you cover those expenses.
Personal floaters coverage – For high-value belongings, such as bicycles, jewellery, artwork and more.
Sewer backup coverage – This can cover the cost of having to repair your home from water being pushed into your house through your drainage system or pipes from the sewer.
Identity theft coverage – For if you are the victim of identity theft, this protection policy can reimburse you for any costs involved in reclaiming financial identity and repairing credit reports.

Earthquake Coverage

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.

Areas We Serve

These are only some of the locations we serve, we can write policies for businesses or residents located anywhere in BC.

Abbotsford
Aldergrove
Burnaby
Campbell River
Castlegar
Chilliwack
Colwood
Coquitlam
Cordova Bay
Courtenay
Cranbrook
Dawson Creek
Duncan
Esquimalt
Fernie
Fort St. John
Gibsons
Gulf Islands
Kamloops
Kelowna
Ladner
Ladysmith
Langford
Langley
Mission
Nanaimo
Nelson
Oak Bay
Osoyoos
Parksville
Peachland
Penticton
Port Alberni
Powell River
Prince George
Prince Rupert
Quesnel
Saanich
Salmon Arm
Sechelt
Sidney
Sooke
Squamish
Summerland
Surrey
Terrace
Trail-Fruitvale
Tsawwassen
Uptown
Vancouver
Vernon
Victoria
View Royal
Whistler
White Rock
Williams Lake

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!

Testimonials

I actually live on the mainland but often visit the island. Any time I can I try and insure my vehicle here instead of anywhere else. I have had great experiences with the employees here. Vicky Bui helped me this time when I went in. She was polite, knowledgeable, and answered all my questions. Helped me to insure my vehicle as fast and pain-free as possible. I highly recommend getting your insurance here.

Kristi M.

I've had a couple bikes insured with Megson FitzPatrick and each time I've had to call their support centre; either for an insurance transfer, or simply to purchase or end insurance, they have been quick, simple and very friendly. Their staff know what they are talking about and they offer solid motorcycle insurance for the year at very good/competitive rates.

Zahra S.

I came into the office on Shelbourne today and Shelly Parussini helped me get tenant insurance. I found her to be professional, efficient, warm and supportive. She went the extra mile and I so appreciate her kindness during this difficult time in my life.

Helen R.

Fast and efficient. Good service in the time of COVID.

Bill T.

Very quick an agent was able to answer all questions we had!

Benito Q.

Awesome! I could renew my insurance over the phone. Mailed my tags within days. Very happy with the service.

Marilyn B.

I wanted to write in and say what a wonderful appointment I had today in your office. The staff were very helpful. I was one of those long and arduous “transfer from out of province “ appointments lol. My insurance person Michael? Was very kind and patient. I’m ever so glad I chose you as my insurance folks and will highly recommend you to everyone- I do a lot of talking! Thank- you for making what would normally be a chore into a very lovely experience!

Nicolle B.

Made an appointment for auto renewal. Promptly at time of appointment, agent met me at front door and all covid-19 policies were in place. The service to renew this insurance was quick and professional. Always great service at this location.

Jacquie V.

I am writing to express my appreciation for the service that I received on July 14. My requirement was to change some details of the coverage on one of my vehicles. The first issue that I found which warrants a compliment was the efficiency of the process for making the change. It was extraordinarily fast and easy. The second issue was the service provided by Jackie Brown. She provided excellent help in a very cordial manner and this also merits recognition. So, thank you for the service.

L. H.

Megson FitzPatrick at Shelbourne is the best Insurance agent around. Super friendly and helpful staff. The car ownership transfer is done in no time. I tried ICBC at Hillside the day before but they have too many reasons not to provide a service (like "appointment only" and they were very close to store closing so they said that "will not have enough time for that".

Ludek n.

I am writing to express my appreciation for the excellent customer service I received when renewing my auto insurance this past Monday evening from Katarina Reid. She was so very helpful and her calm, patient, professional manner was a great help to me when my frustration of dealing with another company had reached its limit. Katarina is a true asset to your firm, and I won't hesitate in recommending Megson Fitzpatrick in future.

Suzan G.

Very helpful through a challenging vehicle transfer.

Jeremy M.

My go-to office for all insurance needs. Courteous, helpful staff are always ready and have innovated a safe, practical approach for customer service during these pandemic times.

Brian H.

I had a really good experience. They were nice, clear, and fast.

Nicole H.

Auto Insurance renewal. In and out in about 15 minutes.

Andy T.

Great staff, very fast and helpful.

Ron B.

Simple. Great price for motorcycle insurance, including multi-bike discount.

Dan Schade

Excellent Service! No waiting! Strict COVID-19 protocol enforced, Great Walker / Wheelchair access. Friendly super helpful and efficient Staff Members who really Smile! They are soo fast, and our Business only took 20 mins! The BEST Insurance service, compared to Coast capital, who always have lineups, eat at their desks, and seem miserable. We Love Megan Fitzpatrick!

Shirley P.

Excellent service, would recommend to anyone.

Jeremy W,

Dear sir/madam, I was recently at your office needing auto insurance updating and I had the pleasure of being served by Mr. Michael Chaves. Having recently lost my Spouse of several years to a traumatic massive stroke, I was needing name changes on our automobile ownership, a new policy solely under my name and new licence plates. As you may imagine, this was a very difficult appointment for me. Unfortunately I brought some of the wrong papers for the work to be done. Mr. Chaves didn’t give up on me, and found the papers I needed in my file, processed them and made everything right for me. I am also very hard of hearing and again Mr. Chaves was patient even to the point of writing the needed requests for me to understand the process if necessary. He also offered to help me change my licence plates. With such superlative service I wanted to give Mr Chaves a cash token of my appreciation. He graciously declined and kindly told me he felt honoured to have helped me and expressed sorrow for my loss. Mr. Chaves is a wonderful credit to your company. Having our house insurance with your company as well, there has only been the best service I can imagine from your employees over the years. But this was a huge leap and I cannot express enough how Mr. Chaves' kindness, thoroughness and patience saved me the grief of having to search for, and revisit this painful appointment. I want you to know what an exemplary employee you are so fortunate to have. Mr. Chaves is a wonderful addition to the Megson FitzPatrick family. Thank you for your time.

A.C.

Jackie Brown went above and beyond with my recent provincial import of a 1981 Toyota Land Cruiser. She was friendly, personable, and professional. Jackie explained the process very well and was patient and helpful with me through the course of my 4 phone calls regarding the transaction. My visit to your uptown location was great Jackie and staff were very friendly, prompt and attentive.

Adam O.

I wanted to take the time (which is precious as I am extremely busy) to say I was so impressed by the service I received from my new account manager Martha Mena in your Victoria Branch - for our home insurance renewal. While I have been with MF for some time and receive decent service in the past, Martha was exceptional. As someone who manages staff, I found she has that customer service quality that is hard to find today. Martha is engaged, informative, professional and very personable. I am writing this as I hope this would go into her HR file and be part of any future performance review or performance feedback as this type of service needs to be recognized. I also compliment anyone who is managing Martha or did the hire as they saw success and acted on it...congrats as I know from experience that isn't always easy to do. I called with a concern and left as a more committed customer to MF because I could tell we are in good hands.

Peter R

My last stop after a long day of work today was to pick up my new license plates at Megson Fitzpatrick. It ended up being the highlight of my day. Natalie Willock was kind and professional when she greeted me. She was so organized and made the logistics of covid precautions feel easy breezy. I can't remember the name of the woman who helped me with my car insurance and I can't recognize her on any pictures on your website, but she was the absolute best. She was efficient, knowledgeable and went above and beyond. She was thorough in explaining all of the changes to my insurance charges and we celebrated that I was now paying Island prices instead of Vancouver prices! I was excited to pick up my new colourful plates with the little bear on them and she emphatically shared in the excitement with me. We even did a brief Wikipedia search about the Kermode bears. She helped me pick out tools to replace my plates and provided zip-ties when my car's hardware was too old to reuse. She was honestly just so pleasant and she deserves to be recognized for the wonderful person and employee that she is. If there is any way to find out who she was through my information, here it is: I was insuring a 2002 Nissan Pathfinder with new plates PF787A and I had my walk-in appointment at 3:30 on April 14, 2021. I think her desk was the second one in to the left. If that helps identify the perfect unicorn that provided my insurance, please give her a big thumbs up. Who knew a quick stopover to pick up car insurance could be so fun? Your team is respectful, professional, and an absolute delight. Your hiring manager probably also deserves a pat on the back for hiring such great people.

Sarah E.

Sincere thanks for all of your assistance today. We are looking forward to working with you. Anna, sincere thanks to you for the amazing service you have provided to us over the past 3 1/2 years. We feel so fortunate that you answered the telephone when we called inquiring about vehicle insurance. You have provided outstanding and professional service during every encounter. You were very proactive with us as policies were coming up for renewal. Also, you remembered our home insurance was coming up for renewal and introduced us to Melissa. Like you, Melissa was extremely well prepared leading to the two of you taking over our home insurance. Have a wonderful evening and a fantastic week everyone!

Kathie and Mike R.

Fantastic as always. Never had an unprofessional or unfriendly experience

Always great to deal with. Thanks for your assistance.

Kevin W.

Very pleased with the service provided. Online appointment was easy to make. Reception at your office was prompt and courteous. Renewal was handled efficiently.

Harry L.

It was very, very pleasant and there was a young gentleman named Michael who look after me He was very pleasant and very methodical and checked all his calculations over. I have bee dealing with Megson FitzPatrick for many yrs and have always had a pleasant experience. Sorry I don't know Michaels last name but I did ask him for his business card and he said he hasn't got business cards as yet but that will happen. He is fairly new there I gather. Michael is a keeper in my books for Megson FitzPatrick Insurance. Thanks a bunch Again, I would have Michael in my employ anytime if I were employing.

Clare W.

I came in today with what I thought was a simple insurance purchase, however it quickly turned into quite the ordeal because I came from out of province and have a leased vehicle. The lady that helped me, I believe her name was Vicki, she was sitting at the first desk on the left. She was absolutely wonderful and handled everything smoothly. She explained everything very well and made sure she had covered all the steps thoroughly. Just wanted to let someone know, it was a very long but pleasant experience thanks to her.

Super pleased with the coverage and the service Megson FitzPatrick has offered over the last little while. I will definitely recommend you to anyone looking for Insurance! 🙂

Hailey S.

You guys are great, you are very well organized and geographically easy to get to at Uptown. We have 5 vehicles in our family and all are insured thru you. I was particularly happy that today you had a replacement veteran plate in stock to replace the one I had stolen recently. Fantastic job you do.

Guy M

Hello! I had to come in to the Uptown office on Monday to cancel my insurance and was very happy how quick and courteous the staff was! They've always been very nice and pleasant to deal with. Thanks as always! I definitely plan on choosing you guys again when I get another vehicle. Thanks,

Josh V.

Great, Quick, friendly, clear service.

Cory O.

I just returned from your Victoria Uptown location and as every time I've been there the customer service has been excellent! Everyone I've been dealing with at MF during repeat visits over the past year has been extremely friendly and knowledgeable. I also appreciate the office's Covid policies in place to keep everyone safe. I'm lucky to have such as friendly and competent insurance broker in my neighbouhood.

Anja P.

Apologies as this is slow...but believe when you are treated with exceptional charm, wit , good humour and professionalism you should share! I had the good fortune of renewing my car insurance with the vivacious Ms Jackie Brown at the Uptown locale... this woman is exceptional, and so kind and easy going...actually made the process of insurance renewal at Christmas, during a pandemic a breeze.... thank you Ms Jackie... you are an asset to the business and keep on keeping on...

Kate R.

WOW! Blown Away! HUGE S/O to Jackie Brown/Auto Acct. Mngr at @MFIVictoria. Her prompt cheerful helpful efficient service is rare and #MadeMyDay and made me #CustomerForLife of this #YYJ company. Highly recommend to anyone in #Victoria. Thx Jackie <3

Maggie M. @HeartAGlow

Hi There, my wife and I were in for an auto renewal appointment at 0915am this morning (Dec 15). We were at the Shelbourne St office. The customer service agent that dealt with us was very nice, professional, knowledgeable and patient. It was very easy to interact with her. Please pass on our thanks to her and let her supervisor know how lovely our experience was with her today. In this day and age it seems like the only time people contact a business is when they are dissatisfied. We were very satisfied with the customer service today and your employee deserves thanks and appreciation for that.

Rob and Leslee C.

We were very pleased with the agent who processed the Vehicle registration renewal. Likewise, my husband and I were impressed with Shelley Parussini who explained the details of our B.C. home insurance in a clear and easy to understand fashion.

Sandra A.

I was in this morning re autoplan renewal. Jacklyn helped me out today and the last couple of times I have come in. Jacklyn is very knowledgeable and pleasant. I used to be all BCAA however am now transitioning to MF. One of the main reasons for this is your customer service. Fantastic! I will also add that your online appointment system is very convenient.

Will D.

I had a very nice, and very unusual experience last week. Out of the blue, someone named Samantha Rankin who works for Megson Fitzpatrick reached out and asked if I knew that my good credit score could help me get lower rates on my insurance. I. WAS. FLOORED. My most common experience in getting better rates normally involves threatening my mobile provider / internet provider that I’m moving my business. Then they miraculously find me a better rate with more features. It always comes down to thinly veiled threats. I can’t tell you how nice it was to have Ms. Rankin tell me I could get lower rates, and that she would handle all the work. This is how great brands are built. Give her a raise!

Marc S.

I had two appointments with your staff. One was over the phone to renew our vehicle insurance and the other was in-person to transfer a travel trailer into our name and insure it. Both staff were absolutely lovely to deal with, the length of the appointments were great and any questions or concerns I had were answered. Very good experience!!

Heather L.

Just wanted to follow up with my appointment today at the Uptown Centre in Victoria BC. Was greeted at the door by [Vicky] very pleasantly. Proceeded on to my appointment with [Hayley] to transfer a vehicle into my name and buy insurance. Just wanted to pass on the excellent service I received and how easy and pleasant the process was. Would highly recommend Haley and your company to my friends.

Bruce R.

I was just at your office this afternoon and received excellent service! Katrina was amazing and very patient with me. I had two vehicles that I needed to register and insure in B.C from Alberta. She explained very clearly all the difference between provinces and helped me in deciding what to insure! I will without question recommended Megson Fitzpatrick as all staff seem extremely helpful and professional! It is very difficult these days with covid to been seen without an appointment but Sheila manage to accommodate me and explain what documentation I needed when I came back to the office. Thanks to both ladies as moving is stressful enough!

Sam M.

The lovely person who helped me was named Jaclyn at the Shelbourne branch. She was an absolute pleasure to work with! 10/10

Justin K.

Awesome service and the agent was very knowledgeable and helpful.You got me as a customer. Thank you

Iggy K.

I received excellent service when I went to my appointment. Your representative was awesome and informative.

Eddie S.

I wanted to pass along how wonderful your staff is. From the receptionist to Jackie Brown, who renewed my insurance, your staff was helpful, friendly and I felt very safe. Jackie was particularly friendly and lovely to deal with. Thanks for wonderful service in such odd times. Being able to make an appointment was so helpful as well.

Melissa L.

We were very impressed with your service. The agent was delightful, knowledgable and very sweet. Thank you

John M.

I’m sorry that I missed the young ladies name who I met with but her service was EXCELLENT! Fast, friendly, efficient with a great sense of humour (much needed in these times). I also felt completely safe. Thanks so much for your help in renewing my car insurance. I highly recommend Megson to all my friends and family……always. Keep up the great work!

Rose A.

Yesterday [June 18, 2020], I had the delightful experience to (remotely) renew my auto insurance with Hayley Zedel. She was most helpful in her kind and knowledgeable manner. Your company is very fortunate to have her as a very thoughtful and pleasant staff member.

David H.

Very helpful. They take the time to answer all your questions. Highly recommended. You might be on hold for awhile during this COVID situation, but they’re very helpful once they answer your call. Call to see if they’re able to register new plates, they have been working towards being able to do this for you.

David M.

I am new to BC, with that being said the insurance is so different here. They went through everything in detail with me and made me feel a little more comfortable understanding insurance here. Thanks you for that

Lori B.

Have dealt with MFI on several occasions recently and have been very satisfied with my experience. Kim Tucson has been extremely helpful and professional. Many thanks

Glenn W.

We've dealt with Megson FitzPatrick for home onsurance for several years. W've always experienced prompt service and the agents are very knowledgable and helpful

John P.

I would like to take this time to acknowledge Sheila Ciesek for her excellent customer service. She was very friendly, polite and professional and helped me insure 4 trucks. I called into today to insure a trailer and was lucky enough to get her again. She is the reason we will do our truck and trailer insurance with your company. As an office manager for a small company I appreciate people like her with her skill set. She is an asset to your company and I hope we still have the option of doing the insuring over the phone.

Cheryl H

The multiple Megson Fitzpatrick locations across the city make obtaining insurance easy. But my preference for the company goes beyond that simple convenience. Time again, my experience with the staff is top notch. They are knowledgeable, kind, and genuinely enjoy a good conversation. Everytime I enter and exit a Megson Fitzpatrick store, it's all smiles.

Matt T

I am writing to give credit to Cassie at the Uptown location for her tremendous and efficient service last month. I was on a tight timeline, and needed to re-insure two vehicles, and change a policy significantly, and was feeling stressed. Cassie quickly took care of everything, answered all of my questions, and was courteous as all get out. Thanks Cassie!

Pam Z

We are often too quick to criticize when things go wrong and too slow to show appreciation when things go right. I have been insuring my (now five) motorcycles with your company for ~10 years. Furthermore, I have been purchasing insurance for various machines, including commercial aircraft, for more than 50 years. I know insurance companies. Since my relationship with Megson FitzPatrick began my agent has been Chris Murphy. I cannot speak too highly of the friendly, competent, timely service Chris has given me over the years. While discounts are always appreciated, that is not why I moved from Beacon to your company. Christopher Murphy is the reason I am with your company.

Jerry O’Leary Cutler

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