In British Columbia’s competitive real estate market, a home inspection is often treated as a buyer’s safeguard—but it’s also a key factor when it comes to home insurance. From aging wiring in heritage homes to damp basements in the Fraser Valley, what an inspector finds can influence not just your peace of mind, but your insurability.
Whether you’re purchasing in Vancouver, Kelowna, Prince George, or Chilliwack understanding how inspections and insurance overlap can save you serious trouble down the line.
Why BC Insurers Want Inspection Reports
Most insurance providers in BC require a current home inspection before they’ll issue a new policy—especially for homes older than 25 years, rural properties, or homes with unique features like wood stoves or wells. Why? Because British Columbia’s wet climate and diverse housing stock come with risks: roof leaks, foundation seepage, and outdated electrical systems are common issues.
Insurance companies rely on inspection reports to assess:
- The current condition of major systems
- Potential fire or water risks
- Renovations or additions that might not meet code
In some cases, your insurer may ask for repairs or upgrades before issuing or renewing a policy.
BC-Specific Red Flags That Impact Coverage
Here’s what commonly raises red flags in British Columbia:
- Knob-and-tube or aluminum wiring – Found in many older homes across the Lower Mainland and Victoria, this outdated wiring may require replacement or at least inspection by a certified electrician.
- Oil tanks – Buried oil tanks, especially in older Vancouver properties, can be an environmental hazard. Insurers often require removal or certification.
- Wood-burning appliances – These are common in the Okanagan and Interior. A WETT inspection is often required before coverage will be granted.
- Roofs past their lifespan – Heavy rain and snow in BC means insurers are cautious about older or moss-covered roofs.
- Poly-B piping – Frequently used in homes built between the 1980s and 1990s, this plumbing type is prone to leaks and may cause insurance denial or higher premiums.
What’s the Difference Between a Home and Insurance Inspection?
A home inspection is usually commissioned by the buyer and covers the visible condition of the home. An insurance inspection, however, may be ordered by the insurer—either before issuing coverage or shortly afterward. These inspections often focus more narrowly on risks like:
- Poor drainage around the foundation
- Visible mold or water damage
- Detached garage safety or electrical issues
- Overhanging trees or lack of railings
If issues are found, insurers may give the homeowner a timeline (e.g., 30–60 days) to fix them—or risk cancellation.
How to Protect Your Investment and Insurance Eligibility
- Be transparent with your insurer – Share your inspection report if it helps demonstrate the home is in good condition.
- Address major issues proactively – Especially anything related to electrical, roofing, heating, or water entry.
- Get upgrades documented – Keep permits and receipts for insurance purposes—especially for electrical rewiring, roof replacement, or foundation repairs.
- Talk to a BC insurance broker – They can help you find an insurer who’s more lenient with older homes or specialty properties.
Final Word for BC Homeowners and Buyers
A home inspection in BC isn’t just a bargaining chip—it’s a foundational step in protecting your home and ensuring proper coverage. From the Gulf Islands to Kamloops, understanding how inspections and insurance work together puts you in a stronger position to own with confidence.