Kelowna Valley Insurance

🔥🌲 Prepare Your Home for Kelowna Wildfire Season! 🌲🔥

Wildfire season is here, and being prepared is crucial. Here are some essential tips:

Year-round Preparedness: 🚨 Install and maintain smoke and CO alarms. 📋 Develop and practice an emergency evacuation plan. 📄 Review your insurance coverage and know your policy details.

High-Risk Area Measures: 🏡 Use flame-resistant materials for your home. 🛢️ Store flammable materials 10 metres away from your house. 🍂 Clear dry leaves and debris regularly. 🌳 Maintain a 10-metre clear zone around your home.

Stay Informed: ☀️ Monitor local weather and fire danger ratings. 🚫 Follow fire bans and restrictions to prevent wildfires.

Is your home wildfire-ready? Contact Kelowna Valley Insurance today for expert guidance and comprehensive coverage!

Reach out to us for tailored insurance solutions. Stay safe and prepared! 📞🌐

🔄🛡️ Time for an Insurance Check-Up with Kelowna Valley Insurance! 🛡️🔄

Life changes, and so should your insurance coverage. Whether you've renovated your home, bought a new car, changed your address, or expanded your business, it’s crucial to keep your insurance policies up to date.

Here’s why you should schedule a review: 🔍 Ensure all your assets are adequately covered 💼 Adjust coverage to reflect any recent changes or upgrades 📈 Realize any new discounts available to you…. Perhaps celebrating being mortgage free, or maybe you installed an alarm or hit a milestone birthday? … talk to us.

At Kelowna Valley Insurance, our brokers are here to help you navigate your insurance needs and make sure you’re fully protected.

Ready for a policy check-up? Contact us today to schedule a review and make sure your coverage is just right for your current needs.📞 🌐

Hot temps…. Yikes!

🏠💼 Secure Your Home-Based Business with Kelowna Valley Insurance! 💼🏠

Running a business from home? Did you know that your standard residential policy could be excluded? You maybe eligible for unique business add-ons for select business types as an option.

🔹 Bridge the gap between your home policy and business needs
🔹 Coverage tailored for eligible small, commercial businesses
🔹 Peace of mind knowing your business assets are protected

Home based businesses are one of the fastest-growing markets and you deserve the right coverage. Let us help you safeguard your hard work and investment!

🔨🛡️ Contractors Insurance Packages with Kelowna Valley Insurance! 🛡️🔨

Are you an owner, general contractor, or subcontractor? We've got you covered! Protect yourself and your projects with our tailored insurance packages.

Here’s what we offer: 🏢 Contractor’s Commercial General Liability 🏗️ Project-specific Wrap-up Liability Insurance 🛠️ Builder’s risk Course of Construction

Ensure your peace of mind and safeguard your work with our comprehensive coverage options.

Get in touch today to find the right insurance package for your needs!

https://kvins.ca/contact-us/

Why Choose an Insurance Broker Over an Agent?

Ever wondered why an insurance broker might be your best bet? It's simple! Unlike an agent, a broker represents YOU, and can access multiple insurance companies on your behalf, not just the one insurance company the agent is employed by 🙌

Here’s what you get with a broker:

👥 Personalized, honest advice that’s all about your best interests.

💼 Unbiased efforts to find you the best rates and coverage for your needs—home, auto, travel, and more!

🔍 A partner who navigates the insurance world for you.

Discover how personalized insurance through a broker can make all the difference. 🌐

Ready to explore your options? Connect with us today to find out more!
https://kvins.ca/contact-us/

🏡🔨 Freshened Up Your Home? Talk to Us! 🔨🏡

Just completed some home renovations? Awesome! 🎉 Make sure to chat with one of our expert brokers to see if your insurance policy needs a tweak. Protect your hard work and keep your home's coverage up-to-date. 🛡️

Don’t wait until it’s too late! Get in touch today to ensure your home is fully protected. 📞

https://kvins.ca/contact-us/

🌐🏥 Travel Coverage with Kelowna Valley Insurance! 🌍✈️

Heading outside British Columbia? Ensure you're prepared for any medical expenses not covered by the provincial health plan. Whether it's a neighbouring province or further away, having the right insurance is crucial.

What we offer:
🚑 Emergency Hospital and Medical; options for both single and multiple trips
🌎 Annual Multi-Trip Insurance for frequent travelers
👨‍👩‍👧‍👦 Family Plans, and Visitor’s to Canada coverage
🛅 Additional non-medical plans including Trip Cancellation and Trip Interruption, Flight Accident, and Baggage coverage

At Kelowna Valley Insurance, we review your exposure and may offer great coverage for your travel needs, ensuring you can focus on enjoying your journey without worry.

Don’t leave your travel to chance—let us help you secure the necessary coverage!

For more information on our travel insurance options, contact us (1-877-860-6064) or visit our website (https://kvins.ca/travel-insurance/). We’re here to help you find the coverage you need for peace of mind on your travels!

🏗️🔨 Protect Your Construction Projects with Kelowna Valley Insurance! 🔨🏗️

Starting a new building project? Whether it's a commercial venture or your dream vacation cottage, ensure you're protected from the ground up with our Course of Construction insurance.

🛠️ Coverage before the foundation is poured
🏠 Suitable for spec homes or primary residences
🏢 Tailored policies for large and small projects

Don't wait—secure your investment today! Contact us to get started on your policy and build with confidence.

🌞 Get Ready for the May Long Weekend with Kelowna Valley Insurance! 🌞

Whether you're planning a road trip, hitting the trails on your ATV, or sailing the beautiful BC waters, we can help you find the right coverage for your needs. As your trusted insurance broker since the 1970s, We offer a range of insurance options for all your home, auto, recreational, and travel needs.

🏠 Home Insurance
🚗 Auto Insurance
🏍️ Motorcycle Insurance
🏕️ RV Insurance
🛶 Watercraft Insurance
✈️ Travel Insurance

Don’t let unexpected events ruin your long weekend. Visit us at Orchard Plaza or Glen Park Village and get a quote today. Secure peace of mind and enjoy your holiday to the fullest!

Hey ATV riders! Have you considered how you can protect your assets when free wheel’n on the open range? Getting ATV insurance with at least the minimum liability as required by the province of BC is a smart and necessary move by you when driving on Forest Service Roads. It can protect you financially from a bunch of potential mishaps and fines. Also. with liability coverage, you may be covered if you accidentally injure someone or damage their property. Comprehensive coverage is another great idea—it protects your ATV from theft, vandalism, and damage from natural disasters, so you won’t be completely out of pocket if something unexpected happens. Don’t forget about collision coverage, which helps with the costs of repairs or replacement if your ATV gets banged up in a crash or while navigating tricky terrain. Plus, it includes medical payments if you get hurt, taking the sting out of any medical bills.

Call us or send us an email to find a solution that meets your needs
https://kvins.ca/contact-us/

Did you hear? ….. ICBC to be sending out letters in the mail soon to many customers regarding a rebate of $110.

For more info icbc.com/2024rebate

Your 2024 rebate At the end of our most recent fiscal year, ICBC is in a strong financial position thanks to better-than-expected investment income and the work we’ve done to build back our capital reserves. So we’re issuing a one-time $110 rebate to eligible insurance customers.

🔥 Is Your Home Prepared for Kelowna Wildfire Season? 🔥

With a challenging wildfire season ahead, ensuring your home is safe and prepared is more important than ever. Discover essential tips and how Kelowna Valley Insurance can help protect your home.

👉 Read the full article for expert advice on staying prepared
https://kvins.ca/essential-tips-to-prepare-for-another-season-of-kelowna-wildfires/

🏍️ Ready to feel the wind in your hair and the thrill of the open road? As motorcycle season shifts into high gear, ensuring you're fully protected is as crucial as tuning up your bike. At Kelowna Valley Insurance, we're not just about covering the basics—we're about safeguarding your entire motorcycle lifestyle.

🛡️ Did you know that basic third-party liability often falls short for motorcyclists? Accidents can result in damages well over $200,000. It's important to understand your insurance policy, so you are fully covered, no matter what happens.

🏍️👔 Your premium reflects your experience and your bike's value, with coverage options tailored on an agreed value basis for all season’s coverage when riding or in storage over winter. Plus, most of our plans extend to your riding gear, based on replacement cost up to a specified limit, and even offer trailer coverage.

🤝 We also provide additional perks for your peace of mind. Curious about what else we offer? Contact us to explore more benefits designed just for riders like you.

Gear up for the ride ahead with reliable insurance coverage from Kelowna Valley Insurance. Let's make every journey safe and unforgettable! 🌟🛣️

🌊 Embark on your next lake adventure in British Columbia with confidence! Before you dive into the pristine waters, make sure your boat is as prepared as you are with Kelowna Valley Insurance. Safety and preparation are as essential as the fun and freedom that come with lake boating.

⛵️ It's important to know that most residential insurance policies offer limited coverage for watercraft, usually capping at $2,000 to $3,000, on property coverage and liability restrictions or complete exclusion based on your boat’s size and engine horsepower. That’s rarely sufficient for the passionate boater, best to review with your broker.

🚤 If you cherish your time on BC’s expansive lakes and own a boat of significant value, opting for a dedicated boat insurance policy or adding a watercraft rider to your home insurance is crucial. Our policies are crafted to offer comprehensive protection that goes beyond the basics, covering everything from collision damage to liability issues.

🛥️ Kelowna Valley Insurance is here to ensure that your peace of mind is as broad as the tranquil lakes you sail. Whether you're exploring secluded coves or enjoying a sunny day with family, our insurance solutions are tailored to the unique needs of lake boaters in British Columbia.

🌟 Set sail with assurance and make every lake outing memorable. Reach out to us to learn more about our boat insurance options and how we can help keep your lake journeys safe and carefree! ⚓️🏞️

☀️ Summer is just around the corner, and for RV enthusiasts in Kelowna, BC, it's time to get ready for another season of unforgettable adventures on the open road! As you dust off your RV and map out your summer itinerary, don't forget to prioritize safety and peace of mind.

At Kelowna Valley Insurance, we understand the joy and freedom that comes with RV travel, which is why we offer tailored insurance plans designed to protect you and your home on wheels. From scenic mountain getaways to tranquil lakeside retreats, your RV is your ticket to exploring the beauty of British Columbia.

As you gear up for the summer ahead, make sure you're equipped with the right insurance coverage to keep your travels worry-free. Our team is here to provide the support and protection you need, so you can hit the road with confidence and enjoy every moment of your adventure.

Embrace the spirit of summer and make the most of your RV experience with reliable insurance coverage from Kelowna Valley Insurance. Let's turn your summer dreams into reality! ☀️🚐

This Sunday, March 10 @ 2am it jumps to 3am!

Remember to check your smoke alarm battery as well 🤓

Kelowna Valley Insurance We provide our customers with the correct property & casualty insurance to satisfy their unique need

A nice Valentines token of sweets delivered to our offices…. loving the Nutrition Facts…. of services 😀

If you are cold, they are cold… bring pets inside in these temps!

Kelowna Valley Insurance We provide our customers with the correct property & casualty insurance to satisfy their unique need

Best wishes to all into 2024!

What is Personal Liability Umbrella Insurance?

BC businesses, take note! Regular General Liability Insurance is your basic shield against common damages claims. But what if the unexpected strikes big? That's where Personal Liability Umbrella Insurance steps in. It extends your coverage far beyond the usual, covering everything from hefty legal battles to international incidents. Think of it as your safety net on steroids – providing that extra layer of security, so you can focus on growing your business without worry.

Don’t just be insured; be umbrella insured! ☔

Talk to our brokers -
Orchard Plaza: 250-860-6064
Glenn Park Village: 250-862-9700

Thinking of starting a project or business in BC? Don't forget about Bonding Insurance! It's not just a requirement; it's your shield against unforeseen financial risks.

A surety bond acts as a financial safety net, protecting against losses due to another party's failure to fulfill their obligations. There are two primary types of surety bonds: Contract Surety, mainly used in construction to protect against a contractor's failure to complete a job; and Commercial Surety, which satisfies security requirements for public, legal, and government entities, ensuring compliance with legal obligations. Key benefits of surety bond insurance include compliance with regulations, increased credibility with clients, better financial terms, risk mitigation, and improved financial stability​

Whether it's ensuring a construction job gets done or fulfilling legal obligations, bonding insurance keeps you secure and credible. Perfect for industries from construction to finance, it’s a smart way to protect your project and enhance your reputation.

Get bonded, get secure, and get going with confidence!

Navigating Insurance Claims

Hassle-Free Claims: Did you know? Having an insurance broker in BC is like having a GPS for your claims journey. Brokers clarify the process, guiding you on when and how to contact your insurance company to initiate a claim.

Brokers stand by you, offering tailored advice, helping you understand your policy, and ensuring you're prepared with the right documentation. They're your personal advocates, especially helpful if disputes arise, acting as a bridge between you and the ins​​urance company.

Leverage the expertise of a broker and turn a complex claims process into a streamlined, supportive journey.

Planning to leave the BC cocoon? 🌲✈️ Remember to pack travel insurance! Within Canada or beyond, it’s your safety net for those just-in-case moments. Your MSP might not catch all the costs, so better to be insured than sorry.

Check the latest travel advisories and make sure you're covered for the adventures ahead.

Within Canada, although some medical expenses may be covered, most provinces offer only minimal coverage, and your BC health insurance may not fully protect you for treatments or medications. Hence, additional health insurance is strongly recommended.

When travelling internationally, MSP (Medical Services Plan) offers limited coverage for medical care. It will help pay for unexpected medical services provided they are medically required, rendered by a licensed physician, and normally insured by MSP. However, MSP coverage is not at par with the costs charged outside Canada, and it does not pay for services such as ambulance charges, prescription drugs, or dental care.

Purchasing additional health insurance for international, and interprovincial travel is highly recommended to cover services and expenses that exceed what MSP covers

Weathering the Storms!

Remember the November floods in 2021? They reminded us of the importance of insurance as claims soared to $675M. And with spikes in auto insurance claims post-snowstorm, it's clear: it pays to be prepared for Mother Nature's surpr​​​ises.

Stay covered, stay safe, and let's embrace the stability and protection our BC insurance landscape is striving to provide.

We are already in November - meaning it's definitely time for winter tires!

In Kelowna, BC, the shift to winter tires is not merely a suggestion, but a crucial step towards ensuring safety and maneuverability on the road during the colder months. The city experiences a mix of winter conditions including snow, slush, and ice, which can significantly impair a vehicle’s traction and control. The importance of transitioning to winter tires is further underlined by the provincial regulations in British Columbia, which mandate their use on many routes from October 1 to April 30.

The act of adhering to this law demonstrates a broader commitment to road safety and contributes to a culture of responsible driving within the Kelowna community.