Home Insurance

The policy wording outlines your insurance coverage. It provides important contact information in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact one of BCAA’s knowledgeable insurance advisors.

Home, Condo and Renters Policy Wordings

Policy wordings are specific to when you purchased or renewed your policy. Please select your policy wording based on the quote/renewal date range that applies to you from below.

New Policies (Quote Application Date)
September 24, 2025 or later
Before September 24, 2025
Renewed Policies (Effective Date)
November 2, 2025 or later
Before November 2, 2025

• Coverage Summaries: Home, Condo and Renters
  These summaries provide a quick overview of your coverage, whether you own or rent a home, condo or townhouse.

Cyber Coverage Wording - for Home, Condo or Renters policyholders who have purchased Optional Cyber Coverage
For policies with an application date of June 25, 2025 or later and policies renewed with an effective date of September 2, 2025 or later.

Residential Strata Policies

Residential Strata Comprehensive Wording – for Strata Policies only

Travel Insurance

The policy wording outlines your travel insurance coverage. It provides important contact information should you need to contact us during regular business hours to extend your policy while you are travelling, or 24 hours a day, 7 days a week in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact one of BCAA's knowledgeable insurance advisors.

Policy Wordings

Policy wordings are specific to when you purchased or renewed your policy. Please select your policy wording based on the purchase/renewal date range that applies to you from below.

New Policies (Application Date)
October 30, 2024 or later
Before October 30, 2024
Renewed Policies (Effective Date)
December 8, 2024 or later
Before December 8, 2024

BCAA Optional Car & Motorcycle Insurance

The policy wording outlines your BCAA Optional Car and Motorcycle Insurance coverage. It provides important contact information in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact one of BCAA’s knowledgeable insurance advisors.

Policy Wordings

BCAA Optional Car & Motorcycle Insurance Policy Wording

Looking for details of your ICBC Autoplan coverage? Visit ICBC's website to learn more.

RV Insurance

RV Policy Wording

Travel Accident Insurance

Travel Accident Certificate

Small Business Insurance

Small Business Insurance Policy Wordings