Winter in Port Coquitlam may not bring the same deep freeze as the Interior, but the Lower Mainland’s sudden temperature drops can still cause major insurance headaches. At Tri-City Insurance, we see a spike in claims each year as soon as the first cold snap hits — frozen pipes, slippery
Victoria is known for its mild climate, but Island winters still bring enough cold, wind, and moisture to cause costly damage. At InsureBC Victoria, we encourage homeowners and drivers to take a few extra precautions whenever temperatures fall below normal. Moisture + Cold = Expensive Repairs Even a light freeze can create
Abbotsford winters bring a unique mix of heavy frost, freezing rain, and sharp temperature drops — especially in rural areas and farmland. At Saxbee Insurance, we see how quickly a cold spell can turn into an unexpected insurance claim. The Hidden Risks of Fraser Valley Frost While Abbotsford isn’t known
Squamish residents know that winter here is different — colder than Vancouver, wetter than Whistler, and unpredictable from one week to the next. At InsureBC Squamish, we help homeowners and drivers prepare for the unique challenges of Sea-to-Sky winters. How Squamish Weather Creates Insurance Risks With frequent snowfall, heavy rain, and
It’s easy to assume that your home insurance covers all of your belongings equally. After all, your policy likely shows a large number under “contents coverage.” But insurance doesn’t work that way. Some items are grouped into special categories and insured differently from everything else. What This Means
Living in Squamish means owning gear—good gear. Whether it’s mountain bikes, ski equipment, climbing gear, specialty tools, or handcrafted art from local makers, many households here have valuable items that aren’t fully covered under standard home insurance. Why Your Gear Might Not Be Fully Covered Home insurance
Home insurance policies are structured with a broad contents limit, but this limit is only the starting point. Within the policy are sub-limits that apply to particular categories of personal property. These special limits function independently from the overall contents limit and can significantly restrict coverage for certain high-value items.
Many homeowners believe that as long as their home insurance lists a large personal property limit, every item inside their home is protected. What most policies don’t make obvious is that insurers apply separate maximums—called special limits—on certain types of belongings. These caps can reduce a claim
Halloween brings excitement to every street in Port Coquitlam — kids running door to door, decorated homes, and families out enjoying the evening. But with the extra activity after dark, it’s also a night when accidents are more likely to happen. As your local insurance advisors, we want to remind
Halloween night brings excitement, costumes, and candy — but it’s also one of the busiest nights for pedestrians on B.C. roads. As kids, parents, and cyclists fill neighbourhoods after dark, safety and visibility are key to keeping the fun fright-free. Stay Bright, Stay Safe Dress to be seen: Choose
As Halloween approaches, InsureBC Squamish reminds everyone to stay visible, safe, and smart on the roads. With more pedestrians and cyclists out after dark, a few simple precautions can make all the difference. Safety Tips: * Be bright: Add reflective tape, flashlights, or glow sticks to costumes. * Stay alert: Cross only
Halloween is one of the busiest nights on the streets — kids darting across driveways, cyclists weaving in neighbourhoods, drivers navigating dark costumes and flashing lights. It’s also a time when visibility is low, distractions are high, and the risk of pedestrian or cyclist collisions increases. Being safe, visible and