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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

Comprehensive Wording - Effective January 19,2022 Onwards –PDF File

  • 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 - PDF file
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 - PDF file – 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 with an Application Date of October 30, 2024 or later and policies renewed with an Effective Date of December 8, 2024 or later - Policy Wording
  • New policies with an Application Date before October 30, 2024 and policies renewed with an Effective Date before December 8, 2024 - Policy Wording

BCAA Optional Car Insurance

RV Insurance

Travel Accident Insurance

Small Business Insurance



BCAA respectfully acknowledges that we operate and support Members and customers on the ancestral, unceded territories of Indigenous communities across what is known today as BC. BCAA is headquartered on the lands of the hən̓q̓əmin̓əm̓ and Sḵwx̱ wú7mesh speaking peoples, known today as the City of Burnaby.

Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent, and underwritten by various underwriters. Visit bcaa.com/underwriters.

BCAA (The British Columbia Automobile Association) is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving Members in British Columbia and the Yukon. Call 1-888-268-2222

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