BCAA Home Insurance
Your BCAA home insurance policy is packed with money-saving, customizable features and rewards.
Money saving discounts
Get discounts that can help you save on your home insurance:
Claims free up to 15%
BCAA membership up to 15%
Age-related up to 15%
New/renovated home up to 10%
Concrete construction 15%
Monitored intrusion alarm 5%
Monitored fire alarm 2.5%
Secured housing complex 15%
Multi-line discount* $25
Safe home+ up to 10%
Multi-line discount
Save $25 if you insure both your home and auto through BCAA.
The Safe home discount
This discount is structured with a points system. The more safety measures you’ve taken around your home, the more points you’ll qualify for. Add them up, and see how much you save!
Burglar bars installed on all grade-level accessible floors - 25 points
Deadbolts on all exterior or entrance doors - 20 points
Intrusion alarm permanently installed and audible - 20 points
Smoke/heat detector on each floor - 10 points
Fire sprinkler system professionally installed - 10 points
Electronic water shut-off, professionally installed - 10 points
Electronic natural gas shut-off, professionally installed - 10 points
Block Watch member - 5 points
Here's how you save:
55+ points: 5%
75+ points: 10%
Milestone rewards
Loyal and claims free policy-holders are rewarded with these perks:
$200 Deductible
You'll qualify for our lowest ($200) policy deductible, at no extra charge if you have been claims free for 3 years AND either a 5-year BCAA Home Insurance policyholder OR a 5-year BCAA Member
One Claim Forgiveness
We’ll "forgive" your first claim, and you’ll still keep all your discounts and your low policy deductible, if you have been claims free for the previous 5 years AND either a 10-year BCAA Home Insurance policyholder OR a 10-year BCAA Member
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