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Living
By Stephanie Ford
Posted on January 16, 2025
Well, both things can be true. Canada is widely considered to be one of the safest countries in the world when it comes to violent crime. Violent crimes are rare in Canada, so it’s broadly considered safe. But, property crimes are on the rise, not so much for tourists, but for those of us who are living in Canada, this is a very real risk. Here’s what you need to know:
According to the Berkshire Hathaway Travel Protection report for 2025, Canada ranks among the top 3 safest countries in the world when it comes to the following metrics:
In fact, most travel insurance companies consider Canada to be one of the safest places in the world. It also means that violent crimes are relatively rare – and rates of violent crimes, like homicide, are decreasing.
But that doesn’t mean all crime is decreasing – in fact, non-violent property crimes such as motor vehicle theft – have been on the rise in Canada in recent years. So, it’s crucial for you to protect your assets after you move by purchasing adequate home or renter’s insurance – and auto insurance if you buy a vehicle.
Canada does have a notable auto theft problem – with SUVs and trucks being the most targeted vehicles in Canada. Here’s what the Insurance Bureau of Canada says about auto theft trends:
In other words, auto theft is a real issue in Canada – and the most important step you can take to protect yourself from this risk is to get adequate auto insurance.
Other steps you can take are to:
The most stolen vehicles based on make, model, and year in 2023 were:
Having my car stolen overnight from my driveway was a gut-wrenching experience, but my auto insurance turned out to be a lifesaver. Thanks to comprehensive coverage, not only were the theft-related costs covered, but I was also provided with a rental car to keep my life moving. The claim process was smooth, and six weeks later, the police recovered my car. While it needed some repairs, my insurance covered those as well, sparing me further financial stress. This experience showed me the importance of having the right coverage—it truly made a nightmare situation manageable.
Rebecca Major
Operations Manager at Moving2Canada
In 2023 – there were almost 131,000 incidents of breaking and entering. (That’s when someone breaks into a home and enters it, usually to rob the resident of their belongings.)
So, it’s safe to say breaking and entering is also a problem in Canada. It accounts for 15% of Canada’s overall crime severity index, even though rates have been decreasing in recent years.
Property crimes more broadly also increased in 2023, by 5% year over year. Unlike auto thefts, which largely impact Canada’s central and eastern provinces, there are property crime hotbeds across British Columbia – including Kamloops, Chilliwack, Nanaimo, and Kelowna.
I’ve lived in Kelowna for almost six years and can say that I absolutely feel safe day-to-day (and even in the evening) walking around the city. That said, it’s no secret that property crimes are an issue. Bike theft is rampant, so I tend to try to make sure I can see my bicycle or lock it up somewhere very secure. I’m also careful to lock my car and to park it somewhere visible, since I know a few people who have had their vehicles broken into.
I also make sure that I have adequate insurance for my things. I don’t own tons of expensive stuff, but I do know that I wouldn’t want to replace everything I need if it was stolen. When I compare the costs of home insurance, including good contents coverage, to the costs of replacement, it’s a no brainer for me.
Stephanie Ford
Immigration Writer at Moving2Canada
Moving2Canada’s trusted partner Scotia Insurance offers home and renter’s insurance policies. You can learn more about these policies here:
Or you can learn more about why renter’s insurance is important for newcomers to Canada first.
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