Blog

For many BC drivers, a trip to the United States is part of everyday life. Whether you are heading to Bellingham for the day, driving to Seattle for a weekend, taking the family to Oregon, or planning a longer road trip through the western states, crossing the border by car can feel simple and familiar. […]

Boating is one of the best parts of living in Vancouver. From False Creek and English Bay to Burrard Inlet, Indian Arm, Howe Sound, and the Gulf Islands, there are endless ways to enjoy the water. But before you untie the lines, launch the trailer, or leave the marina, it is important to ask one […]

With ICBC’s decision to eliminate the need for decals on car insurance renewals, we’ve seen many more vehicles on the road that are uninsured. While ICBC does send out a renewal reminder about 45 days before your expiry, it does not always reach you -either you may have moved or it is simply lost in […]

As climate disasters grow in frequency and severity, the financial toll on homeowners and insurers continues to climb. For homeowners, securing reliable property insurance is becoming more challenging. With rising premiums and shifting coverage options, staying informed is crucial. In this article, we’ll explore recent costly disasters, their impact on the insurance industry, and what […]

Owning a condo in BC comes with many benefits, from shared amenities to lower maintenance responsibilities. However, just like homeowners, condo owners need to protect their investment. But condo insurance works a little differently than traditional homeowners insurance. If you’re considering purchasing a policy, here’s what you need to know. What Is Condo Insurance? Condo […]

Over the past year, many BC homeowners have noticed a significant increase in their insurance premiums. Whether it’s flood insurance, fire insurance, or general disaster coverage, rates are climbing across the board. But why is this happening? In this article, we break down the key factors driving these increases and what BC homeowners can do […]

Business insurance is one of the key types of policies offered by Habitat Insurance Agencies.  We receive calls on a daily basis from established business owners and people who are just starting new businesses requesting quotes and information about insurance coverage.  Below are some of the most frequently asked questions (along with our answers) from […]

New to town and just moved into a new place? Or have you been renting a while and have never thought about tenants insurance until now? Insurance for a renter is vital. It provides coverage for: Your personal property at your rental location; Your personal property temporarily away from your rental location, for example, the […]

What is EDB? Earthquake Deductible Buyback (EDB) insurance is coverage for Earthquake Deductibles. This insurance is now available through Habitat Insurance, for properties located in British Columbia. How Earthquake Deductible Buyback works: All policies with earthquake coverage are subject to an earthquake deductible, which is stated as a percentage of the coverage limit. Generally, earthquake […]

Heavy reliance on today’s computer and data technology has increased every business’ risk of a data breach or cyber attack. Both have become increasingly frequent and costly. Virtually every business has data on clients, employees, and other which can be stolen, electronically hacked or lost through accidental or inadvertent release. Recently passed federal legislation, Bill […]