What is HomeProtect?
HomeProtect is Westland’s BC-designed home insurance solution, created to reflect the realities of living in British Columbia. HomeProtect is shaped by local conditions, from coastal weather and seismic activity to wildfire risk, housing styles, and regional construction practices.
At its core, HomeProtect combines comprehensive home insurance coverage with local expertise. It protects your home, your belongings, and your financial well-being if something unexpected happens, while giving you access to advisors who understand your community and help you plan for risks before they become losses.
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What does HomeProtect cover in BC?
HomeProtect combines core home insurance coverage with flexible options, giving BC homeowners protection that reflects how homes are built and lived in across the province. From everyday risks to more complex losses, coverage is designed to support you when it matters most.
Helps repair or rebuild your home if it’s damaged by an insured event, including the structure itself and permanently installed features.
Protects your belongings, such as furniture, electronics, clothing, and household items, if they’re damaged or stolen.
Provides financial protection if someone is injured in your home or if you accidentally cause damage to someone else’s property.
Helps cover damage caused by water entering your home from heavy rainfall, surface flooding, or sewer and drain backups.
Covers structures on your property that aren’t attached to your home, such as garages, sheds, or fences.
Helps cover temporary housing, meals, storage, and related costs if a covered loss forces you to move out while repairs are made.
Helps pay to repair or rebuild your home if damaged by an earthquake, an important consideration in many parts of British Columbia.
Helps cover the cost to repair or replace underground service lines, such as water, sewer, or electrical lines, that run from the street to your home.
Allows you to raise your liability limits for added financial protection and peace of mind.
Helps cover increased rebuilding costs if your home must be repaired or rebuilt to meet updated building codes or bylaws.
Reduces or removes the deductible applied to glass-related claims, such as damaged windows or glass doors.
Provides additional protection for high-value belongings like jewelry, art, collectibles, or musical instruments by insuring them individually.
Helps replace lost rental income if a covered loss prevents tenants from occupying parts of your home.
Offers support and financial protection if you experience online fraud, identity theft, or cyber-related losses.
Why choose HomeProtect from Westland?
Choosing home insurance is about more than coverage. It’s about having the right support, clear guidance, and protection you can trust.
Designed in BC, for BC homes
HomeProtect is built around BC’s climate, geography, and housing styles, not a one-size-fits-all policy.
Coverage shaped by real local risks
From wildfires and flooding to seismic activity and severe weather, coverage reflects the risks homeowners face across the province.
Advisors who take the time
Get a quote online, at your local branch, or by phone. We make it simple to get the coverage you need, in the way that works best for you.
Clear coverage, no guesswork
HomeProtect is built to be easy to understand, helping you know exactly what’s covered, what isn’t, and where choices matter.
Built for how homes are lived in today
HomeProtect reflects how homes function today, including multi-generational homes, rental suites, and changing household needs.
Flexible options, not forced add-ons
You can tailor coverage with optional protections like earthquake, cyber, or scheduled articles based on what’s relevant to you.
Claims support when it matters most
HomeProtect is backed by an in-house claims team focused on helping you recover and move forward after a loss.
Rooted in BC communities
We support the communities we live in across the province through long-term partnerships and initiatives.
Protecting BC homes since 1980
For over four decades, Westland has helped protect BC homeowners as communities, housing, and risks have evolved.
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Frequently asked home insurance questions
HomeProtect is home insurance designed in British Columbia, for BC homes. It combines comprehensive coverage with local expertise, reflecting how homes are built, lived in, and protected across the province. Rather than applying a generic national policy, HomeProtect is shaped around regional risks like wildfire, flooding, seismic activity, and coastal weather.
It also includes guidance from local advisors who take the time to explain your coverage clearly, helping you understand what’s protected, where gaps may exist, and which options make sense for your home and lifestyle.
HomeProtect differs from standard home insurance by being locally designed and locally supported. Instead of a one-size-fits-all approach, it’s built around BC-specific housing styles, environmental risks, and rebuilding realities.
What truly sets it apart is how coverage is delivered. HomeProtect pairs protection with advisor support, ensuring homeowners understand their policy before a loss occurs. In the event of a claim, HomeProtect is backed by an in-house claims team that provides clear communication and hands-on support throughout the process.
HomeProtect includes core home insurance coverage such as protection for your dwelling, personal belongings, liability, detached structures, and additional living expenses if your home becomes temporarily unlivable.
It also offers optional coverage for risks that are especially relevant in BC, including overland water and sewer backup, service line coverage, by-law upgrades, and rental income protection. Coverage can be tailored based on where you live and how your home is used.
Earthquake coverage is not automatically included, but it is available as an optional add-on under HomeProtect. Given BC’s seismic exposure, many homeowners choose to add this protection to help cover damage, cleanup, and additional living expenses following an earthquake.
Your advisor can help assess your location, home type, and risk tolerance to determine whether earthquake coverage makes sense for you and how it fits into your overall policy.
HomeProtect includes coverage for overland water and sewer backup, two of the most common causes of home insurance claims in BC.
Overland water coverage helps protect against flooding caused by heavy rainfall or surface water, while sewer backup coverage applies when water backs up through drains or plumbing systems. Because water damage claims can be complex, HomeProtect advisors help you understand exactly which water-related risks are covered and which options are available to strengthen your protection.
HomeProtect is designed for people who live in BC homes, whether you own a detached house, a condo, or rent your space. Coverage is adapted based on your living situation, property type, and location.
Rather than focusing only on the structure, HomeProtect looks at how homes are actually lived in, including multi-generational households, secondary suites, and changing lifestyles. This flexibility allows coverage to remain relevant as your needs evolve.
If something happens, HomeProtect claims are handled by an in-house claims team that works closely with your advisor. The focus is on clear communication, transparency, and practical support throughout the claims process.
From the initial report to settlement, you’re kept informed about next steps and timelines. HomeProtect’s claims experience prioritizes outcomes, with 96.3% of claims paid, reflecting a consistent commitment to helping homeowners recover and move forward.
HomeProtect is designed to deliver value rather than simply minimize premiums. Costs depend on factors such as your home’s location, rebuild value, coverage choices, and optional protections.
Because HomeProtect is tailored to your specific risks, it can often help prevent costly coverage gaps that lead to out-of-pocket expenses later. Advisors work with multiple insurers to help balance coverage, protection, and affordability based on your priorities and budget. Regular check-ins not only keep your coverage up to date but can also reveal new discounts or policy improvements available through our partner insurers.
Yes. HomeProtect is built to be flexible. You can adjust coverage limits and add optional protections based on your home, belongings, and risk exposure.
This customization ensures you’re not paying for coverage you don’t need, while still protecting against risks that matter most where you live in BC.
Getting HomeProtect starts with speaking to a local advisor who understands your community and housing market. They’ll review your home, explain your options, and help you choose coverage that aligns with your needs today and in the future.
You can start online, by phone, or at a local branch, whichever works best for you.
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Buy HomeProtect home insurance in British Columbia with confidence
Whether you’re shopping around for a new policy or just want to review your current coverage, our advisors are here to help. Contact us to get the protection you need at a price you’ll love.
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