Questions? We've Got Answers.
Here are the things we get asked most often. Don't see yours? Get in touch — we're happy to help.
Getting Started
Questions about your quote, text message communications, and how MarketLink works.
Yes. MarketLink reaches BC residents about home insurance by text message, and if you received a text and you're on this website, you're in the right place. MarketLink Insurance Solutions is a BC company, and every policy we write is underwritten by The Mutual Fire Insurance Company of British Columbia, which has been insuring Canadian homeowners since 1902. We'll never ask you for payment information by text.
MarketLink is a BC-based home insurance provider backed by Mutual Fire Insurance of BC — a mutual insurance company that has been serving Canadian homeowners since 1902. The team behind MarketLink brings decades of BC insurance industry experience to every policy.
About five minutes. We ask a few straightforward questions about your property and put together a quote. No long phone calls, no waiting on hold, and no app to download.
Not at all. Requesting a quote is completely free and comes with zero obligation. Take your time, ask questions, and decide when you're ready.
Coverage Questions
Details regarding standard inclusions, water damage, earthquake, and property eligibility.
Every policy includes coverage for your dwelling, detached private structures, personal property, additional living expenses if you're temporarily displaced, and personal liability. Optional coverages can be added to suit your situation.
It depends on the type. Sudden and accidental water damage — like a burst pipe — is typically included in standard coverage. Overland water (from heavy rain or snowmelt) and sewer backup are available as optional add-ons, and both are worth considering given BC's climate.
Earthquake coverage is optional, not standard. Given that BC is in one of Canada's most seismically active regions, it's worth a serious look — especially on the Lower Mainland and Vancouver Island. Availability can depend on where your property is located.
We cover primary homes, secondary homes, seasonal and vacation properties, mobile homes, rented dwellings, vacant dwellings, homes under construction, and tenant insurance. If you're not sure whether your property qualifies, just get in touch.
Standard home insurance doesn't automatically cover business-related activity. If you run a business from home, we have optional coverage that addresses this.
Membership
Learn about becoming a member of The Mutual Fire Insurance Company of BC.
For $15 a year, you can become a member of The Mutual Fire Insurance Company of British Columbia. Potential benefits include premium refunds, access to Home Systems Protection at a reduced rate, and Claims Forgiveness at no extra cost. Ask us about this when you get your quote.
Claims Forgiveness protects your claims-free discount after your first covered claim. If you've been claim-free and something happens for the first time, you won't lose the discount you've earned.
Practical Questions
Information regarding claims reporting, policy adjustments, and data privacy.
Contact us as soon as possible after a loss. You can reach our claims team by phone or email during business hours. For emergencies outside business hours in BC, call 1-855-535-0554.
Yes. Just get in touch and we'll sort it out. Changes are processed on a pro-rata basis.
Yes, you can cancel at any time. We'll walk you through what that involves if you get to that point.
Yes. Your personal and property information is used only for the purpose of providing insurance coverage and is handled in accordance with applicable privacy legislation.
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