Your home is generally the single largest personal asset that you own, so it's important to make sure you have the best possible coverage to protect it!

Comprehensive Homeowners Policy

SeaFirst has designed a comprehensive program that combines coverage for your home, personal belongings, and any third-party liability for your actions.  You can also customize the policy to provide coverage for special items of value such as jewellery, coin collections, silverware, and so much more!

Coverage included in the Comprehensive Homeowner's policy:

  • Dwelling - generally written as Guaranteed Replacement Cost which means we guarantee to rebuild your home, even if the cost exceeds the limit of insurance
  • Contents - protects your personal property while in the home and while temporarily removed from the home.
  • Outbuildings - protects detached structures on your property
  • Additional Living Expenses - provides coverage for additional expenses incurred during the claims process
  • Personal Liability - provides third-party liability coverage

Homeowner's Excellence Program

SeaFirst has designed a comprehensive homeowner's excellence program for high-end homes that are valued above $500,000. The policy includes all the coverages listed above, as well as some additional benefits such as:

  • A 'cash payout' option for your Dwelling and/or Contents. If you elect not to rebuild or repair, the basis of settlement will be the full value shown on the policy, without deduction for depreciation
  • An increased Personal Liability limit of $5,000,000
  • Increased 'Special Limits' for certain items such as jewellery, art, watercraft, and coin collections

Click the Request a Quote button below today for a free, no-obligation quote and to learn more about protecting your home!

Request a Quote


SeaFirst and Garrett have been wonderful to deal with, quick to respond to our needs and questions. Even better is that they saved us a ton of money on our insurance with their adventure tourism specific policy. 

- Breanne and Rick, Spirit of the West Adventures Ltd.