A standard home policy on the central Island covers fire, including wildfire, and usually the sudden escape of water from a burst pipe. It does not cover earthquake shaking, overland flooding or sewer backup unless you add them, and on most policies it does not cover storm surge at all.
Building a house in Nanaimo runs on four budgets at once: the lot, the work that makes the lot buildable, the permits and charges the City collects before construction starts, and the construction itself. The per-square-foot price a builder quotes covers only the last of those, which is why first budgets so often come in short.
The guide most readers start with: Take the Nanaimo Relocation Guide with you
