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Sooke House Insurance Higher Because Of Wind and Snow!?

This via Twitter and the Kids In Victoria Forums.

Everyone needs house insurance whether you own or rent. Typically, when you move, you notify your current insurer of the move and they will ask you questions about the house – age, size, heat source, etc. Your real estate professional can also send over a spec sheet to the insurance agent. The insurance broker will give you a quote and all goes well. Usually.

All locked up - Good insurance!

All locked up - Good insurance!

A new Sooke Resident posted a case that her current insurer (whom she’s been with for many years) tried to tell her that when she moves to Sooke from Colwood later this month that the cost of her insurance policy will nearly double. When asked why, she was told “Sooke gets more wind and snow than Victoria.”

Sooke-ites, wipe off the coffee you just sprayed all over your screen and regain composure. Of course we know it’s not true. This winter, I think Langford and Colwood got way more snow than us, and even in the winter of ’06-’07 with all the wind storms, I don’t recall Sooke having a worse time than any other coastal community.

I and many other KIV-ers suggested that she phone around or visit some local Sooke insurance brokers and get a better quote. If anything, I’d suppose that insurance in Sooke would be less due to lower house prices and little crime.

What do you think? Anyone experience anything similar? Post in the comments below.

Tim Ayres – Sooke Real Estate Professional

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  • mar

    Thought I’d let you know that my husband did call around and was quoted around $500 – and one company said that our current company was feeding us a line of BS 🙂

    Thanks again for your help in giving us the list of numbers! Greatly appreciated 🙂

  • I wasn’t sure whether to laugh or shake my head in disgust that a broker would use an excuse like this! I’ve been in the insurance business for over 20 years and this is a first for me.
    Insurance premiums can change from location to location for a variety of reasons – none of which are wind or snow!
    I’m pleased to see this client was able to get correct information from another broker. If you are ever in doubt of your policy or coverage, I’m more than willing to give a second opinion on an insurance policy. I can be reached at vplant@hsminsurance.com or 250-388-5555

  • Thanks for your comments Vicki and Mar. Incidentally, I just got my insurance renewal in the mail, and from what I can tell, it’s the same as last year.

    I can personally attest to Vicki being a super insurance lady! She basically rescued a client of mine from the pits of poor service and run-arounds a couple of months ago.

    Thanks again everyone!

    -Tim