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Home Policy Changes

We’re pleased to provide the following changes to your policy.

If you require further information call 1.833.533.1567 or book an appointment.

Coverage Changes

Premier Benefit
Premier Coverage is only available for eligible customers who meet insurance history and valuation requirements.
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Bylaws Coverage
Provides coverage for older homes which must be rebuilt to current by-law standards in the event of a loss.
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Flood Coverage
Provides coverage for direct loss or damage to property caused by the sudden and accidental entry of water resulting from flood into your home.
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Earthquake Coverage - Building Only
Provides protection for damage and loss resulting from an earthquake.
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Earthquake Coverage - Personal Property
Provides protection for damage and loss resulting from an earthquake.
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Group Plans
Provided extra discounts and coverage options for members of specific groups.
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Home Business Coverage
Provided coverage for eligible customers who operated a small business from their private residence.
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Bareland Strata Coverage
Bareland Strata Coverage provides Strata Deductible, Strata Property Damage Coverage and Strata Liability Coverage for homes located on a bareland strata.
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Deductible Changes

Flexible Water Deductible
Provides the ability to increase or decrease a policy's Water Deductible for eligible water claims. Choosing a higher deductible results in a reduction in premium.
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Milestone Reward Deductible
Provides a reduced policy deductible for eligible Members, as a reward for continuous insurance and claims free history.
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Policy Deductible Changes
The Policy Deductible is the amount which must be paid in the event of a claim, before insurance coverage is provided. Choosing a higher Policy Deductible decreases your premium.
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Personal Property Changes

Garden Tractors - Increased Limits
Provided higher coverage limits for for customers who required increased limits specifically for garden tractors which met eligibility criteria.
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Personal Property Extension
Customers who require coverage and are living at a different location while their primary residence is under construction.
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Property with Special Limits
Certain items of personal property have special limits on how much you can claim.
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Sporting Equipment - Increased Limits
Provided higher coverage limits for customers who required increased limits specifically for golf equipment and carts.
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BCAA respectfully acknowledges that we operate and support Members and customers on the ancestral, unceded territories of Indigenous communities across what is known today as BC. BCAA is headquartered on the lands of the hən̓q̓əmin̓əm̓ and Sḵwx̱ wú7mesh speaking peoples, known today as the City of Burnaby.

Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent, and underwritten by various underwriters. Visit bcaa.com/underwriters.

BCAA (The British Columbia Automobile Association) is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving Members in British Columbia and the Yukon. Call 1-888-268-2222

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