The Big If: Are You Covered for an Earthquake?
In BC, earthquakes are one of those “what if” risks — easy to overlook, but important to think about. That’s the idea behind The Big If: preparing for the unexpected before it becomes a problem.
One common gap in coverage is earthquake protection. While many people in Victoria know we live in a seismic zone, earthquake insurance is not included in standard home policies — it has to be added separately.
What Earthquake Coverage Typically Includes
When added to your policy, earthquake insurance can help cover:
- Damage to your home
- Detached structures like garages or sheds
- Personal belongings
- Temporary living expenses if your home becomes uninhabitable
- In some cases, fire or land movement caused by the earthquake
High Deductibles? We Can Help
Earthquake coverage usually comes with a percentage-based deductible, which can mean a significant out-of-pocket cost. At InsureBC Victoria, we also offer Earthquake Deductible Buyback coverage — designed to reduce that deductible and make recovery more manageable.
Not Sure What You Need?
We’re here to help you figure out what makes sense for your property. Whether you’re looking to add coverage, understand your deductible, or explore buyback options, our team will walk you through it.
