Welcome
Imagine if your insurance broker would sit down with you and design a home policy specifically for you, one that gives you everything that you want — a custom designed package — just for you. We can do that!
Homeowner Insurance
Your home and its contents are probably your most valuable material possessions. Insurance will replace your property in the event of a loss and help you meet your legal obligations to others. Kelowna Valley Insurance Services Ltd represents several major insurers and we will help you select the policy that is right for you.
Condominium Insurance
When you become the owner of a condominium you need to purchase contents coverage to cover your personal property in your unit and your legal obligations to others. How much coverage you need depends on the cost to replace all your personal property with new items of like kind and quality without deduction for depreciation. To assist you in determining this value, we have personal property inventory booklets available.
Tenants Insurance
It is important to protect your personal belongings. Even if you don’t own the home you live in, you still require insurance to protect your personal property and to meet your legal obligations to others. Your landlord has no legal obligation to replace or repair any of your contents. If your contents were stolen or damaged due to a fire or other peril, it could be very costly to replace them all. To assist you in determining the replacement value of your possessions, we have personal property inventory booklets available.
Mobile Homeowners
As the owner of a mobile home, your mobile home and it’s contents are probably your most valuable material possession. Insurance will replace your property in the event of a loss and help to meet your legal obligations to others. Kelowna Valley Insurance Services Ltd. has several markets for mobile homes that will offer replacement cost coverage depending on the age of the unit. Please give us call or stop in to see us and we will give you a no obligation quote.
Rented/Seasonal Dwellings
Rented dwellings and seasonal dwellings are usually insured as a second location on your primary dwelling policy. Sometimes, however, they can be written as stand alone policies. Although coverage is usually more limited than a homeowners policy, Kelowna Valley Insurance Services has several markets that offer excellent coverage packages for rented and seasonal dwellings.
Home Based Businesses
One of the fastest expanding markets today is home based businesses. Residential policies do not provide coverage for businesses being operated from home. Homebased business extensions are available to eligible business classifications. This extension effectively bridges the gap between the residential policy and the needs of small commercial businesses.
Our commercial insurance department located in our Cooper Road office is available to assist with coverage for any business that doesn’t meet the eligibility requirements under the home based business extension.
Farms/Orchards/Specialty Livestock
Kelowna Valley Insurance Services has several markets available to insure farms of all sizes – from small hobby farms of 1 or 2 acres to larger commercial farms. Please give our commercial department a call at our Cooper Road office at 250-860-6064 for a no obligation quote. We also have markets available to insure your specialty livestock including ostriches and emus.
Course of Construction
Coverage under a course of construction policy should begin the moment the foundation is dug. Whether your project under construction is to be occupied by you as a permanent resident after completion or is a “spec” home that will go up for sale, Kelowna Valley Insurance has markets available to provide coverage. Our commercial department also has markets available to insure the big commercial building projects.
Contents in Storage
Whether you have moved your contents in to a storage facility because you’re taking a world tour or the new house you’ve purchased isn’t quite ready to move into, Kelowna Valley Insurance has several markets to provide coverage for those contents. Coverage can be done on a replacement cost, all risk basis for eligible risks.
Private Automobile Insurance
Kelowna Valley Insurance Services has markets available that will write the excess portion of your automobile insurance including excess liability, collision and comprehensive. For the right clients, this can provide substantial savings on the annual cost of your automobile insurance. Please give us a call or drop in to see us – we’d love to give you a quote.
ICBC Insurance
As an agent of ICBC, Kelowna Valley Insurance Services Ltd. has licensed Autoplan service representatives available to assist you in choosing the best coverages for your needs. We specialize in registering and insuring imported vehicles – Canadian and foreign.
For your convenience, ICBC accepts the following payment methods:
- Cash or cheque
- Visa, Mastercard, American Express
- Debit Card
- ICBC payment plan
Recreational Vehicles
Kelowna Valley Insurance Services has private markets available to provide the physical damage coverage for your motorhome, vacation trailer or camper.
In most cases these items can either be added to your primary dwelling policy or written on a separate policy with a market that specializes in recreational vehicle coverages. Both replacement cost coverage and guaranteed replacement cost coverage are available depending on the age, type, length and value of your unit.
Private Automobile Insurance
Your residential policy will provide only limited coverage for watercraft, usually $2,000 to $3,000 and liability is restricted depending on the type and size of your watercraft. For this reason, either a watercraft rider on your residential policy or a separate watercraft policy is necessary if you own a boat of any size or value.
Kelowna Valley Insurance Services Ltd. has several markets available for all types of watercraft including runabouts, sailboats, houseboats and personal watercraft.
Private Motorcycle Insurance
Kelowna Valley Insurance Services Ltd has markets available that will write the physical damage coverage on your motorcycle. The cost of this coverage will be influenced by such factors as the type, age and value of the motorcycle and the age and experience of the operator. If you would like to check out your options on motorcycle coverage, please contact one of our offices.
Snowmobiles/ATVs
- Third Party Liability and Physical Damage in ONE POLICY, with ONE application, ONE expiry day, ONE agent and ONE adjuster to deal with in the event of a claim.
- Definition of Insured extending coverage to ANYONE with owner’s permission, eliminating the common restriction of “immediate family residing at home”
- NO underage exclusion: coverage is provided where not prohibited by law
- NO restriction on operating with a passenger
- Up to $25,000 for Sudden & Accidental Pollution as a result of an accident
- Section B, Accident Benefits on vehicle owner, owner’s family and passengers
- NO mandatory expiry date on liability. It is a year from effective date.
- Liability deductible only applicable to property damage when operated by an unlicensed operator
- Association Membership and Safety Discounts available
- REPLACEMENT COST at no extra charge, for 24 months from date of delivery of your snowmobile (NO depreciation)
- Up to $1,000 on decks or dedicated trailers for the same coverage on the unit at no extra charge. Higher limits are available.
- Please refer to actual wordings.
Travel Medical
Let our team compare products and prices on out of province travel medical policies. Both single trip and annual policies are available. We are committed to ensuring your travel is a worry-free experience. Kelowna Valley Insurance Services represents several reputable and solid travel insurance providers with a strong claims history. Please contact us for a quote today.
Commercial Property & Liability
Kelowna Valley Insurance Services Ltd. has an experienced team of commercial producers available to help you insure your commercial risk. We represent several large, reputable commercial insurers and can place coverage on a wide variety of commercial exposures.
Please give our team a call at 250-860-6064 or drop in to see them at 156 – 1876 Cooper Road, Kelowna, BC.
Auto Dealers Coverage and Protection Program (CAP)
The CAP program is designed to address the unique insurance needs of an automobile/truck/RV dealership. Coverage is specifically broad and considers the day-to-day operations of a dealership.
All Risk Replacement-Cost coverage protects Buildings, including Glass and Signage; Equipment and Parts Stock; Valuable Papers and Computers as well as Employee tools.
In addition, Liability coverage along with Directors, Officers and Key Person coverage as well as Business Interruption and Pollution Crime protection are included in the basic policy.
We offer very competitive package pricing. Expert claim handling and risk management are also part of our service.
Please contact us for more information and a free quotation for your insurance needs and have peace of mind with the right protection.
Wineries
This insurance product is specifically designed to protect British Columbia vintners throughout the entire winemaking process from grape growing to market-ready bottled product.
All Risk Replacement-Cost cover includes Buildings, Stock, Equipment, and Contractors/Farming Equipment. Irrigation systems, Boiler and Machinery are all items addressed in this package.
Additionally, Commercial Liability, Products-and-Completed-Operations Liability, (including shipping damages and bottling procedures) as well as Business Interruption coverage are part of the basic policy.
We are pleased to offer an excellent package policy for a very competitive price.
Please contact us for more information and a free quotation for your vintner insurance needs.
Golf Courses
This is a well-researched insurance product designed to provide protection for Golf Course or Golf Resort operators in British Columbia. This product will protect your golf course, clubhouse and bar/convention centre in one policy.
All Risk Replacement-Cost coverage protects your Buildings, Stock, Equipment, Contractors-Equipment and Irrigation Systems. Provisions for Liability, Mechanical Breakdown and Business Interruption protection are all part of the basic package. Specifically, the Greens and Fairways coverage protects against loss of income if opening is delayed.
We are pleased to offer the best coverage available for the best price on the market today.
Contact us for more information and a free quotation and decide for yourself.
Contact Us
Location & Hours
Orchard Plaza
- 156 – 1876 Cooper Road
- Kelowna, BC
- V1Y 9N6
- Tel: 250-860-6064
- Fax: 250-860-6094
- Toll Free: 1-877-860-6064
- Hours:
- Mon – Fri: 8:30 – 5:30
- Sat: 9:00 – 4:00
- Sun & Stat Holidays: Closed
- 24 Hour Emergency Claims Number
- Property: 1-800-880-8384
- ICBC: 1-800-910-4222
- Email:info@kvins.ca
Glen Park
- 115 – 1940 Kane Road
- Kelowna, BC
- V1V 2J9
- Tel: 250-862-9700
- Fax: 250-862-9742
- Hours:
- Mon – Fri: 9:00 – 5:30
- Sat: 10:00 – 3:00
- Sun and Stat Holidays: Closed