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Home Insurance Abbotsford

Did you just buy your first home and now need to purchase your first home insurance coverage policy? Have you owned your home for years but are looking to compare home insurance policies to find something that better? No matter what you are wanting the insurance policy for your home to cover, our team of dedicated insurance brokers can help you select the ideal insurance for protecting your home and property.


Mountainview Insurance is an Abbotsford, BC home insurance agency that strives to make it easy for customers to get the best home insurance coverage in BC. Our range of homeowner’s insurance policies are designed to provide comprehensive coverage, no matter what kind of home you are living in—condo, townhouse, or single-family dwelling. In order to ensure that you receive the best insurance policy for your home, we will work closely with you to compare home insurance policies until we find the perfect fit for you, no matter what you want or need in a policy. Get in touch with the team of professional home insurance brokers from Mountainview Insurance today to get a free insurance quote for your home.

What is home and property insurance?

As a type of property insurance, home insurance is designed to provide coverage for a loss or damage caused to an individual's home or the home contents. This also includes providing liability coverage for protecting the homeowner from having to pay for medical bills or other expenses in the event that someone is accidentally injured or one of their belongings is damaged while on the homeowner's property. Anyone who is looking for a home insurance quote can compare home insurance policies in order to select the ideal plan for their specific dwelling type—townhouse, condo, or single-family home.

The importance of homeowners insurance

Buying a home is probably the biggest purchase you will ever make in your lifetime, so why would you not want to protect your new home from being potentially damaged due to theft, vandalism, fire, or a natural disaster? Choosing to purchase a comprehensive home insurance policy from a reputable broker will ensure that both you and your home have the right level of coverage against unforeseen circumstances. While rebuilding or refurbishing a home that has been damaged can be financially and emotionally straining, purchasing the right home insurance products can help relieve some of the stress, getting things back to living normally as soon as possible.

Types of home policies

Some of the different types of insurance policies that you can purchase for your home in BC, Canada include:

Dwelling Insurance

Dwelling coverage is designed to cover the structure of a home including the walls, floors, ceilings, built-in appliances, and any other attached structures. This type of home insurance also offers coverage against a variety of different home perils—fire, theft, vandalism, etc.—and can be used to help rebuild your home if it is damaged beyond repair.

Contents Insurance

Contents coverage provides protection for home contents, such as furniture, clothing, electronics, and jewelry. In the event that a covered incident takes place, you would receive money for the total value of the items lost, as defined in your home insurance policy.

Personal Liability Insurance

This type of homeowner's insurance covers bodily injury if someone were to get hurt while in your home or on your property. Having personal liability insurance for your home will prevent you from having to pay for any medical bills that are a direct result of the sustained injury.

Get in touch with us to learn more about our home policies.

Additional house insurance

Homeowners can also choose to purchase optional home insurance policies for:


Flood insurance provides coverage for your home and belongings in the event that they were to sustain flood-related damages. Get a free quote on home flood insurance now!


Earthquake insurance provides coverage for your home and property if it is damaged by an earthquake. Get in touch with us for a free earthquake insurance quote.

Replacement Cost Plus

In the event that your home is damaged beyond repair, replacement cost plus insurance will provide you with additional coverage for rebuilding your home from the ground up. Get a free quote today!

Water Backup of Sewer

This type of insurance for your home provides coverage in the event of a sewer or drain backup in your home, which is a common issue faced by homeowners. Get a free quote on water backup of sewer insurance for your home now!

Other Structures

If you have other structures on your property that are unattached from your home, such as a shed, gazebo, or unattached garage, this type of insurance for your home will provide coverage for those structures in the event that they are damaged. Get in touch with us today for a free other structures insurance quote.

Personal Umbrella Liability

Personal umbrella liability insurance provides you with extra protection for bodily injury, property damage, or personal injury to others, beyond the policy limits outlined in the main policy for your home. Get a free quote on personal umbrella liability insurance by contacting us today!

Medical Payments

If an accident in your home or on your property leads to a variety of different medical expenses, medical payment coverage will cover the payments for those expenses up to a certain amount. Get a free medical payments quote from our helpful staff today!

Home Ordinance or Law

Ordinance or law insurance helps you rebuild your home to meet current building codes after a covered loss has occurred. Contact us today to get a free home ordinance or law insurance quote.

Get a new home insurance quote

As a home insurance broker, Mountainview Insurance provides a wide selection of different home policies to choose from. If you are looking to buy the best home insurance in BC, get in touch with the team from Mountainview Insurance today to compare home insurance quotes. Our team of home coverage experts would love to help you select the ideal home policy and additional coverage options, no matter what you want or need.

Frequently asked home insurance questions

What does home insurance cover?

Home insurance is designed to cover damage to your property, as well as to your personal belongings like furniture, electronics, and jewelry; however, home insurance will only provide coverage up to the limit set in place by your policy. In addition to protecting your home and the belongings inside, home insurance can also cover other structures on the property, including a garage, shed, fence, etc.

How much does home insurance cost?

The cost of your home insurance will depend on a variety of different factors, such as the area you live in, the type and age of the building, types of wiring and heating systems, your personal claims history, and the type and amount of insurance you need. Contact your insurance provider to receive a comprehensive home insurance quote.

Is home insurance mandatory in BC?

While it is required to have third-party home warranty insurance for new homes built in BC by a licensed residential builder, it is not mandatory by law to purchase home insurance for existing homes; however, most banks and mortgage lenders will require you to provide proof that you have purchased home insurance before finalizing your mortgage.

Can a house be too old to insure?

Some insurance providers may refuse to cover a house that is over 40 or 50 years old. In the event that a provider does agree to cover an older home, the insurance premium will most likely be much higher than the insurance premium for a newer home.

What is the 80/20 rule for homeowners insurance?

In most cases, insurance companies will require that a minimum of 80% of the home's replacement cost is covered under your insurance.

Should I shop around for home insurance?

Homeowners should consider shopping around for a homeowners insurance policy every year or two to find the best rate.

Is home insurance cheaper if you are retired?

In some cases, your insurance provider may give you a lower premium on your house insurance if you are over the age of 50. This is because most insurance providers tend to consider older people a lower risk for making large claims.

What is the most important thing to look for in home insurance?

The most important thing to look for in a home insurance policy is the level of coverage you will be receiving. Make sure to pay close attention to what your policy covers so that you can avoid paying for more than you need.

Why would I be denied homeowners insurance?

The most common reason you may be denied coverage for your house is because your insurance provider has determined that your application has a high-risk element. Insurance providers will avoid giving policies to high-risk candidates because they will usually cost them more money in the long run.

Can I buy insurance for someone else's house?

No, you cannot insurance a house you do not own. If there is a specific reason you want to insure a home that you do not own, contact your insurance provider to find out what can be done.

What happens if your house is not insured?

If you have a mortgage but have stopped paying for house insurance, your mortgage lender may choose to force you into a more expensive policy (lender-placed or force-placed insurance) or they may choose to send your loan into default. This will significantly decrease your credit score, while also increasing the risk of your home falling into foreclosure.

What happens to my mortgage if my homeowners insurance is cancelled?

If your home insurance is cancelled or not renewed by your insurance provider, you will want to get a new policy as soon as possible. Not having homeowners insurance may result in you defaulting on your mortgage loan, as most mortgage providers require home insurance for the duration of the loan.

Can homeowners insurance drop you because of a dog?

While it is highly unlikely that your insurance provider will drop you because you own a dog, your insurance premium may increase if your dog falls under the list of breeds they do not usually cover.

Is home insurance worth having?

While it may not be legally required to purchase home insurance, having the right home insurance policy for your property can help protect against paying huge costs out of pocket for property damage or if your belongings are stolen.

Visit us in person

Office location 1201 Sumas Way #100, Abbotsford, BC V2S 8H2 (Next to Costco)

We are located in the Abbotsford Power Centre complex on the corner of McConnell Road and Sumas Way.

Moutainview Insurance Office Abbotsford

Hours of operation

Office hours

Mon - Fri: 8:00 am - 8:00 pm
Sat: 9:00 am - 5:00 pm
Sun: 10:00 am - 5:00 pm

ICBC 24-hour claims


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