Skip to main content
alert icon

Phishing alert: An ongoing phishing scam is falsely claiming to be from CAA and AAA, offering a ‘Car Emergency Kit’ as a prize. Learn more.

Landlord Insurance

Protect your investment property.

With BCAA, you can fully protect your investment and rent your property with confidence. BCAA provides insurance coverage for rental properties, whether it's a house, condo or townhome in BC. Being a landlord isn’t always easy, but our expert advisors will build the best, customized coverage to match your needs because we know you have enough to worry about.
buy icon Buy renew icon Renew claim icon Claim

Key Features

Fire and Smoke
Fire and Smoke

Security for your home and belongings if they are damaged or destroyed in a fire.

thunder cloud lightning icon
Bad Weather

Major weather events are becoming more frequent, more severe and less predictable. Get covered for damage from wind storms and find out if you’re eligible for Flood coverage.

Water Damage
Water Damage

You're covered for things like if a pipe bursts under your sink, or if water suddenly escapes your washing machine destroying your hardwood floors.

Personal Liability
Liability

Coverage for legal fees that stem from accidental damage or injury to tenants or guests at your rental property.

icon of chair and lamp
Personal Property Protection

In the event of accidental damage, protect your contents, such as appliances and furniture you have provided for the rental property.

tools icon
Extra Bylaws

 If you suffer damage to an older home, we provide coverage in case you have to rebuild to current by-law standards.

Optional Extras

House with dollar sign symbol
Rental Income Protection

If your tenant must move out due to a covered loss, Rental income protection provides coverage for the lost rental payments.

Roof Guard
Extended Water Coverages

Protect your home from damage caused by external drains, water that enters your home through an opening in the roof, around windows and skylights, overflow of fresh water and accumulation of surface water.

Learn More
Earthquake icon
Earthquake Coverage

With over 1,200 earthquakes every year in BC, whether it's a tremor or when the big one hits, you'll want to protect your home and your belongings.

Learn More
building
Short Term Rental Coverage

Renting to short term occupants can be a great way to generate some income from your property, but it’s important to be aware of the risks and ensure you have adequate coverage.

Learn More

How Can You Save with BCAA?

checkmark-1
Deductible Options

A deductible is the amount you need to pay in the event of a claim. Increase the deductible and you'll save even more on your policy.

checkmark-1
Home Safety Systems

Having fire sprinklers, automatic water shut off, intrusion alarms and other home safety systems can help you qualify for extra savings.

checkmark-1
Updated Home Features

Updated home features such as hot water tanks or plumbing, may allow for further discounts on eligible homes.

checkmark-1
Additional Discounts

Eligible customers who purchase landlord insurance with BCAA can receive an additional discount on their primary residence.

Why Choose BCAA Home Insurance?

BC Based
BC Based

We know BC. Using our local knowledge and 40 years of experience as a province-wide home insurer, we understand the unique needs of British Columbians.

Trusted Experts
Trusted Experts

Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20%. Plus, you can reduce your premium with our claims-free discount, bundling options and more.

Saving the Day
When It Goes Wrong, We Make It Right

Have peace of mind that you are covered in the event of a claim knowing that BCAA paid out over 95% of claims related to fire, water, weather and theft*.

realtor showing couple

Switch your rental policy to BCAA today.

Contact Us

BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

rows of houses
June 8, 2021 Tag Icon A light icon that looks like a tag Home
Beating the Space Race: Smart Buying and Selling in 2021
READ MORE
home plumbing illustration
December 5, 2019 Tag Icon A light icon that looks like a tag Home
BCAA Winter Plumbing Checklist: Prevent flooding and leaks
Read more
woman at her new home and checking her packing list
March 8, 2022 Tag Icon A light icon that looks like a tag Home
Use our moving checklist to stay calm & organized during your big move
Read More
Read More Articles
*From 2022 to 2023, BCAA paid out over 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results.