It seems the biggest worry on the West Coast is the “big one” and when it will hit. Jokes aside, British Columbia does sit within the large earthquake zone that covers the western coast of the continent. Although the “big one” may not occur within our lifetimes, smaller earthquakes can still cause damage to your home and leave you with thousands of dollars of repairs and ruined property. Only about 50% of BC residents have some form of earthquake insurance included in their policy. Some insurance companies have even begun including earthquakes as a mandatory risk because of their prevalence. As for damages caused by a tsunami, there currently is no specific coverage to protect your home and possessions. Earthquake insurance does not cover water damage. Therefore, it is recommended you include flood insurance if you live near the coast. Talk to your insurance broker for advice and to see what coverage options are best for your specific situation.