房屋保險完全指南
更新於 2026-08 · in-depth guide
Home insurance protects your house, contents and liability, but it is priced on replacement cost — not market value. Understanding a few factors can save you hundreds of dollars a year.
1. What does home insurance cover?
Standard policies cover dwelling (rebuild cost), other structures, personal property, additional living expenses, and personal liability. Flood and earthquake usually require separate coverage.
Read the exclusions carefully: sewer backup, overland flood, and aging roofs are common sources of claim surprises.
2. Replacement cost vs. market value
Insurers rebuild your home to current building-code standards, so coverage is based on the cost to rebuild — land is excluded. In hot markets, market value can be 2-3x replacement cost.
Our home calculator estimates rebuild cost from area, age and quality factors, then suggests a coverage amount — no need to guess.
3. Choosing your deductible
Deductibles typically range from $500 to $5,000. A higher deductible can cut your premium noticeably — for example, moving from $500 to $1,000 often saves 5-10%.
Pick the highest deductible you can comfortably afford in an emergency, then bank the savings.
4. Why city and postal code matter
Rates reflect local rebuild costs, fire protection, crime and weather risk. Vancouver and Victoria are pricier than many interior BC cities; properties near wildfire or flood zones cost more.
With full property data for Vancouver, Surrey and Victoria, our city pages show median assessed values and typical premiums — a genuinely local view.
5. Ways to save
Bundle home and auto with one insurer, raise your deductible, install monitored alarms, and review your coverage annually. Loyalty discounts and claims-free discounts also add up.
Compare quotes from at least 3-5 carriers every year — loyalty rarely beats the market.
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常見問題
Why is coverage based on rebuild cost, not market value?＋
Insurance replaces your home, not its land. Rebuild cost reflects current construction prices and building codes; market value includes land and location premium, which you do not need to insure.
Does a postal code really change the price?＋
Yes. Insurers price at the postal-code level using claims history, fire protection, weather and crime data. Two homes in the same city can differ by hundreds of dollars.
Is earthquake or flood covered?＋
Not by default. Earthquake and overland flood are optional add-ons in most of Canada; sewer backup is often an add-on too. Ask your advisor to quote them before you buy.