Affordable insurance in Castlegar

At HG Insurance in Castlegar, we offer a number of different packages for ICBC and private insurance—including auto, home, commercial, RV, boat and travel protection.

We employ highly skilled agents and brokers, offering some of the most competitive insurance rates in Castlegar. We also serve clients in the Slocan Park, Nelson and Greenwood areas.

Payment plans are available, ensuring the proper coverage is in place to protect you and your home, business, vehicles and other assets.

Find your go-to insurance agent in Castlegar—we give free estimates!

Ask us about our insurance rates and packages to get a free quote on a plan that fits your budget. Call us at 250-365-3368 and let us do the legwork for you.

Five-star customer reviews for HG Insurance in Castlegar:

“Michelle went above and beyond for me when there was an issue with my insurance policy.” ~ Jessica, Google reviewer

“Great insurance.” ~ Mike, Google reviewer

“Always friendly and efficient.” ~ Roger, Google reviewer

What should customers expect from an HG Insurance broker in Castlegar?

The professional, non-commissioned sales agents at HG Insurance Agencies will work to provide you with protection for all of your investments.

As brokers, our friendly and knowledgeable staff represent numerous competitive insurance markets and do the shopping around for you. They will complete a comprehensive review of your insurance needs and then proceed with whatever plan or package works for you.

Learn more about the background of our Castlegar insurance agency and find out how we support our clients.

What types of Castlegar home insurance are provided at HG Insurance Agencies?

We will write the insurance policy for your primary residence, rented dwelling, seasonal vacation home and more. Come see us for all of your homeowners insurance needs.

The types of home insurance we provide include:

• Homeowners insurance: Your home and its contents are some of your most valuable material possessions. Home insurance will replace your property in the event of a loss and will serve to meet your legal obligations to others.

• Condominium insurance: When you purchase a condominium unit, you are required to purchase contents coverage for your personal property, as well as for legal obligations to others. Your coverage needs for condo insurance will depend on the cost to replace your personal property and the amount spent towards any betterments and improvements, if applicable. Insurance is available to ensure that updates to your condo unit are also replaced in the event of an insurable loss.

• Seasonal dwelling/rental insurance: Rented and seasonal dwellings are usually insured as a second location under your primary dwelling policy. Sometimes, however, these can be written as stand-alone policies. Although coverage is usually more limited than a homeowners policy, we have several markets that offer excellent coverage packages for vacation home insurance and rental insurance.

• Storage insurance coverage: If you use a self-storage facility, you might be surprised to learn that your personal property is not insured by the facility for loss or damage. While a storage facility may take steps to minimize risks, such as installing a fire prevention or security system, you are still responsible for insuring your belongings against loss or damage. We will arrange a specialized policy for your personal property while it is in storage.

• Vacant dwelling insurance: Most standard homeowners insurance policies do not cover vacant properties, despite the fact that vacant homes and buildings are a common occurrence in many neighbourhoods. Empty homes are riskier to insure because they are considered an “attractive nuisance” that appeals to vandals and thieves. Vacant homes also present numerous liability issues, such as the risk of injury to trespassers. As a homeowner looking to insure a vacant home, you typically have two options: buy an endorsement to your existing homeowners policy or purchase a separate vacant-home insurance policy. We can place a short-term policy on your vacant dwelling that will protect your investment until it sells or becomes occupied.

• Strata plan insurance policies: Whether you own one unit or the entire building, we will provide a comprehensive policy at a competitive price for your condo unit, duplex, triplex or fourplex. Our commercial department will assist you if you own the entire building. For individual units, our personal lines department offers specially designed packages.

• Tenant’s insurance: Tenant’s insurance protects your belongings and personal liability that your landlord’s policy does not cover. Even if you are renting on a temporary basis, tenant’s insurance will replace the contents of your rental unit in the event of an insurable loss. Tenant’s insurance also contributes to a claims-free history. Many insurance companies offer a discount if you have several years of insurance history without a claim.

• Mobile home insurance: As the owner of a mobile home, your abode and its contents are probably your most valuable material possessions. Insurance will replace your property in the event of a loss and help to meet your legal obligations to others.

We have several markets for mobile homes that will offer replacement cost coverage, depending on the age of the unit.

Check out our Castlegar home insurance page to learn more.

What can you tell customers about the commercial insurance at HG Insurance Agencies in Castlegar?

We can assist our business clients with a few different commercial insurance options, including:

• Home-based business insurance: One of the fastest-growing markets today is the home-based business. Residential policies do not provide coverage for businesses operating from home. We offer home office insurance extensions to eligible business classifications in order to bridge the gap between your residential policy and the needs of your small commercial business.

• Course of construction insurance: From large commercial building projects to your vacation cottage, construction insurance is available to you. Make sure you are covered and begin your course of construction policy before the foundation is poured. Whether your construction project is a “spec” home, intended to be sold, or will become your primary residence, we have markets available to provide you with coverage.

• Commercial property and liability insurance: We represent several large reputable commercial insurers who can place coverage on a variety of commercial exposures. Your commercial risk is safe with our experienced team of commercial insurance producers.

Visit our commercial insurance page to learn more.

How can HG Insurance Agencies protect my vehicle and other assets?

In addition to our home and commercial insurance plans, we also deal with auto insurance (private and ICBC), and other types of coverage, such as:

• Auto insurance (ICBC): Each year there are many vehicle crashes that result in injury or fatality. Auto insurance is designed to protect you and your family while driving. The right coverage will provide you with peace of mind, knowing that a professional broker carefully created a package specific to your needs.

• Private auto insurance: Save money on your auto insurance with private coverage for your vehicle. Although British Columbia is a government insurance province for basic $200,000 third party liability, we are contracted with reliable insurers who offer extended third party liability, collision, and comprehensive coverages to qualified BC motorists. We offer a variety of options, enhancements and deductibles. This means savings for you and a choice of the best options that are most appropriate for your unique circumstances.

• Snowmobile/ATV insurance: British Columbia is an adventurer’s dream for backcountry recreation, unsurpassed in any season! We offer you coverage on your snowmobiles and ATVs through several specialty insurers. It is mandatory to have third party liability coverage if you use your recreational vehicle on any forest service roads. Even if you are operating on private land, you should never be without this kind of protection. Accidents happen anywhere, and a claim against you can have crippling financial repercussions. In the event of a loss, having damage coverage on your vehicles will protect your investment. Discounts are available for safe drivers and members of recognized organizations. We have several different options available to suit your unique needs.

• Motorcycle insurance: Basic third party liability is generally insufficient insurance for motorbikes. The damages caused in an accident can far exceed $200,000. Insurance coverage for your motorcycle will cover you year-round, even when you are not riding. Your premium is based on your experience as a rider and the value of your motorcycle. Insurance coverage is available on an agreed value basis for the motorcycle. Most of our insurers offer packages that include your riding gear, based on replacement cost up to a specified limit, and will even offer trailer coverage.

• Watercraft/boat insurance: Residential insurance policies will provide only limited coverage for watercraft—usually $2,000 to $3,000. Liability is also restricted, depending on the type and size of your watercraft. For this reason, a separate boat insurance policy or a policy for a watercraft rider on your home insurance is necessary if you own a boat of any noticeable size or value.

• Appointed Agent – B.C. Driver’s Licensing: As an Appointed Agent, we process new B.C. driver’s licences for those moving to the province. We also issue renewals and conduct knowledge tests for new drivers. And if you need a road test, we can schedule that, too. We are now able to combine your B.C. Services Card with your B.C. driver’s licence. Our authorized staff will assist you with any licensing concerns you may have, from a simple address change, a medical status update or information on your driving history to the more complex driver’s reinstatement or vehicle impound procedure.

• Travel insurance: Travel insurance goes beyond your provincial medical plan. Whether you’re taking a quick trip across the border or planning an extended stay to escape the cold winter months, buying travel insurance is an essential part of planning your trip. Other types of coverage include emergency hospital and medical single-trip insurance, snowbird coverage, family plans, visitors to Canada, and non-medical plans including trip cancellation and trip interruption, flight accident, baggage coverage and more.

For more information, visit our pages on auto insurance, RV insurance, and watercraft coverage.