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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
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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
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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.
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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
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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
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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
insurebcsquamish
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
insurebcvictoria
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
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In Squamish, Thanksgiving carries a special kind of beauty — the crisp air, the mountain backdrop, and the comfort of gathering with loved ones after a busy year. At InsureBC Squamish, we’re grateful for the trust our clients place in us and for the opportunity to help protect the people
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As the leaves turn and families across Abbotsford gather for Thanksgiving, we’re reminded of how much there is to be thankful for — the warmth of home, the love of family, and the comfort of knowing we are protected when life doesn’t go according to plan. At Saxbee Insurance,
insurebcvictoria
As Thanksgiving arrives, many of us take the time to reflect on what we’re most grateful for — family, health, friendships, and the comfort of home. At InsureBC Victoria, we’re also thankful for something equally meaningful: the trust our clients place in us to help protect the things that
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Thanksgiving is a time to pause from the everyday rush, to share food and laughter, and to reflect on what truly matters most. At Tri-City Insurance in Port Coquitlam, we’re thankful for our community — for the families and individuals who trust us to protect their homes, vehicles, and businesses