Insurance for Wildfire: What BC Homeowners Need to Know as Risks Rise
The Wildfire Reality in BC: Understanding Your Insurance Coverage Is Key
Wildfire season is no longer a distant concern in British Columbia—it’s an annual reality. The summer skies grow hazy, evacuation alerts grow common, and the stress for homeowners builds with every shift in the wind. But while you may already be trimming trees and clearing gutters, another critical layer of protection often gets overlooked: your insurance for wildfire.
The question isn’t if wildfires will strike near home, but when. And with changing climate patterns and extended dry seasons, the insurance industry is adapting rapidly—sometimes in ways that homeowners don’t see coming. We’re here to help you make sense of these changes and ensure your coverage stands up to the new wildfire risk.
Wildfires Are Getting Worse—Here’s Why Insurance Is Changing
Wildfires are no longer isolated, seasonal events. They’re now more frequent, destructive, and costly than ever. According to the Canadian Interagency Forest Fire Centre, over 17 million hectares burned across Canada in 2023—more than six times the yearly average over the past three decades.
In response to these escalating risks, insurance companies re-evaluate wildfire coverage, particularly in high-risk regions like the Southern Interior of BC. That means policies are evolving too:
- Premiums may rise for homes in wildfire-prone zones.
- Deductibles could be higher for wildfire-related claims
- Coverage exclusions may apply, especially if your property is within a certain radius of active fires or dense forest.
- Underwriting requirements—like defensible space or fire-resistant materials—may impact your eligibility for certain policies.
That’s why it’s essential to review your policy regularly with a broker who understands the local risk—and who can help you navigate it.
What Does Your Insurance for Wildfire Cover?
The good news: Most standard home insurance policies in BC cover wildfire damage. This typically includes:
- Dwelling coverage for fire damage to your home’s structure
- Contents coverage for personal belongings damaged or destroyed by fire or smoke
- Additional living expenses (ALE) if you’re forced to evacuate or your home becomes uninhabitable
- Detached structures like sheds and garages, depending on your policy
But here’s the catch: coverage limits, exclusions, and terms vary—sometimes significantly—between providers.
For example, some insurers may not cover landscaping or fencing losses caused by wildfire. Others may cap ALE reimbursements or require you to have maintained your property to FireSmart standards.
Don’t wait until you’re under evacuation order to find out what’s included. Take a proactive approach.
Steps to Protect Yourself Beyond the Fireline
Insurance is your financial safety net—but it’s only as strong as your understanding of it. Here’s what you can do today:
1. Schedule an Insurance Review
Talk to a local broker (like us!) who knows your community and can explain wildfire-specific risks. Ensure your policy reflects your property’s current value and includes sufficient rebuilding, contents, and displacement coverage.
2. Ask About Fire-Related Endorsements
Some insurers offer optional wildfire endorsements or additional riders for high-value homes, rural properties, or outbuildings not automatically included in basic policies.
3. Update Your Inventory
Keep a digital inventory of your home’s contents, including receipts, photos, and serial numbers. This will make claims easier, faster, and more complete.
4. Know Your Evacuation Coverage
Does your policy cover temporary accommodation, meals, and transportation costs if you’re under evacuation order? Make sure you understand the timeframe and dollar limits.
Bonus Tip: Insuring Seasonal Homes and Cabins
If you own a cabin or vacation property in wildfire-prone areas like the Okanagan or the Kootenays, your insurance for wildfire needs special attention. Seasonal or secondary properties may have different limitations and exclusions. Ask about:
- Remote access concerns
- Limited fire department response
- Unattended dwellings exclusions
At Working Ventures Insurance Solutions, we offer tailored policies for both year-round homes and recreational properties—so you’re covered no matter where the fire threat hits.
Insurance Is Part of Your FireSmart Plan
Being FireSmart is about more than defensible space and fire-resistant shingles. It’s about thinking ahead, knowing your risks, and making informed decisions. Insurance for wildfire is a critical component of any emergency preparedness plan—and one that too many homeowners don’t prioritize until it’s too late.
We’re here to change that.
Wildfire Insurance Summary: The Essentials
Do all home insurance policies in BC include wildfire coverage?
Most standard policies do include wildfire coverage, but coverage limits and exclusions vary. Always confirm the details with your broker.
Can I get coverage during an active wildfire in my area?
Once a wildfire is nearby or an evacuation alert is issued, insurers may place a temporary moratorium on issuing new coverage or making changes.
What if I have to evacuate—will my insurance cover the cost?
Yes—many policies include Additional Living Expenses (ALE) for hotel stays, meals, and transportation if evacuation is ordered. Be sure to check your limits.
Does insurance cover fire damage to outbuildings and landscaping?
That depends on your policy. Sheds and garages are often included; fences and landscaping may not be unless specified.
Can I lower my risk and save on premiums?
Absolutely. FireSmart improvements—like fire-resistant siding or creating defensible space—can sometimes help with premiums or underwriting approval.
Let’s Talk Before the Flames Come Close
At Working Ventures Insurance Solutions, with offices in Kelowna and Trail, we’re proud to serve communities that are beautiful—and yes, sometimes vulnerable. Wildfire risk is real, but so is our commitment to helping you prepare for it.
CONTACT US TODAY for a free wildfire insurance review, or request a quote online. Together, we’ll make sure that when wildfire season comes, you’re not just ready—you’re protected.