When you consider BC home insurance, you should always insure your home for the total amount it would cost to rebuild the home if it were to be destroyed. Neglecting BC home insurance could result in your insurance company only having to pay a portion of the cost to replacing / repairing the damage.
Consider checking the value of your BC insurance policy against rising building costs each year. You should think about adding a "Inflation Guard Clause" to your policy. That way your policy will adapt to rising buildings costs and your policy will reflect current construction costs.
