Victoria Insurance

Protecting your business, home and vehicle in Victoria

Acera Insurance is proud to offer Victoria residents with dependable insurance coverage for their personal needs.

You work hard to provide for yourself and your family. It’s important to make sure you have the proper insurance coverage in place to protect the things that matter most to you.

Our Victoria insurance brokers can help you do this and can provide expert guidance on the following personal insurance coverages:

If you are looking for commercial insurance in Victoria, we also have a variety of solutions.

Why do I need personal insurance in Victoria?

Personal insurance protects your livelihood and lifestyle. It is important coverage that helps to reduce the financial burden of an unexpected event—such as a house fire, a vehicle collision, theft of property, causing damage or injury to a third-party, and more.

The cost to repair damaged property, replace stolen goods or defend a liability lawsuit can be staggering. Having the right personal insurance coverage in place can help you financially recover from such events.

Personal insurance is also required in certain instances. For example, auto insurance is mandatory across Canada and all drivers are required to carry certain levels of coverage, as defined by each province and territory. (ICBC provides the mandatory and optional auto insurance required in British Columbia; Acera Insurance is an ICBC Autoplan broker.) Your mortgage lender may also require you to carry comprehensive home insurance, so to protect their financial investment.

Why choose Acera Insurance as your personal insurance broker in Victoria

Life is full of surprises. Fortunately, Acera Insurance takes the surprise out of your insurance.

Our specialty personal insurance brokers are locally based in Victoria, so they can provide expert advice and are happy to help find solutions to cover the unique needs of you and your family. They will take the time to explain your policy, so you understand what is and what isn’t covered.

Acera Insurance is also a truly independent brokerage. You can count on us to prioritize your needs as we compare across insurers to find you the most comprehensive coverage at the best price. Plus, as a full-service brokerage, our dedicated claims department is ready to assist you throughout the claims process in the event of a loss.

Insurance to protect where you live

Shelter is one of our basic needs. Having the right home insurance in Victoria is crucial to protect your property—including your belongings and personal liability (in the event that someone is injured or has a possession damaged while at your residence or due to your unintentional actions).

Depending on your situation, you may need:

Home Insurance in Victoria

For homeowners, home insurance provides coverage for physical damage caused to your house, belongings and structures such as decks and garages; additional living expenses; and personal liability.

Condo Insurance in Victoria

For condominium owners, condo insurance provides coverage for physical damage caused to your unit and personal belongings, additional living expenses and personal liability.

Tenant Insurance in Victoria

For individuals who rent, tenant insurance provides coverage for physical damage caused to your personal belongings, additional living expenses and personal liability.

Our specialty personal insurance brokers will provide expert advice and help you get comprehensive coverage to protect the place you call home.

Insurance to keep you on the road

No matter if you’re commuting to work in a car or travelling out to the coast in your RV, a vehicle helps you get to where you want (or need) to go.

Having the right insurance can help you repair or replace a damaged or stolen vehicle, as well as help cover the costs of damage to third-party property while behind the wheel.

Depending on what you drive, you may need:

• Auto insurance (ICBC or optional auto)
• Motorhome insurance
• Motorcycle insurance
• Collector car insurance

Talk with one of our expert personal insurance brokers today. They will be able to help you secure the right coverage for your needs at a competitive price.

Insurance to keep the good times going

Having fun is important to our overall wellbeing. For you, this may mean traversing the great outdoors by ATV, travelling to foreign countries, or anything in between.

The right insurance can provide the coverage you need to get back to having fun after an unexpected loss.

Depending on your needs, insurance solutions may include:

• Travel trailer insurance
• Boat insurance
• ATV insurance
• Travel insurance

Talk with our specialty personal insurance brokers to get a free quote for your recreational vehicle or travel needs.

Insurance to protect the people in your life

You may want to ensure your family is taken care of in the event of your passing. Or, you may have responsibilities to individuals outside your family and want to ensure you are protected. Either way, our expert brokers are here to help you get the coverage you need.

Depending on your situation, insurance solutions may include:

• Life Insurance
• Foster Parents’ Insurance
• LandlordBC Insurance