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