Every year, British Columbians pay tens of thousands of dollars in repairs, with an average claim of $14,000, so BCAA offers special comprehensive coverage to make sure you're protected.

DrainGuard coverage
protects you against damage caused by water that enters your home as a result of a backed up external drain on your property

RoofGuard coverage
protects you against damage caused by water that enters your home through an opening in the roof or around windows and skylights

When your home was initially built, it may have met building bylaws and codes. But in the event of a loss today, you may have to upgrade, including plumbing, carbon monoxide detectors, or hard-wired smoke alarms.

Coverage includes:

• coverage starts at $10,000 with the option to purchase additional coverage, up to $60,000.
• covers the additional cost required to comply with any municipal by-laws for demolition, repair or construction of buildings

Deductible assessment coverage

Deductible assessment coverage protects you in case you're responsible for the deductible when the Strata Corporation files a claim.

For example, if the pipes in your condo building burst, your Strata Corporation could decide that claiming against the building insurance policy is the best option. This means that the deductible to be paid on this claim would rest with the Strata owners. Depending on the amount of contingency fund available, the cost of the deductible could be turned over to you – and the other owners.

Contingent Liability Assessment

If there is a large liability claim against your Strata Corporation, and the Strata Corporation’s policy doesn’t have adequate insurance to cover the claim, the condo unit owners may be responsible for a portion of the liability award.

Property Damage Assessment

If there is extensive damage to a common area of the building or grounds and your Strata Corporation is under-insured, each condo unit owner may be held responsible for a portion of the damage costs.

BCAA protects you against identity theft, which is becoming more common. When identity thieves use your personal information to commit crimes such as fraud and theft, BCAA pays for your costs.

Coverage includes:

• Credit card forgery  
• Fraudulent transfer or removal of funds from Internet accessed bank accounts
• Long distance telephone expenses, notary fees, registered mail costs incurred to resolve credit issues
• Costs incurred due to the fraudulent application for credit in your name
• Legal costs incurred in your defence from lawsuits brought against you by merchants or collection agencies
• Legal costs incurred in the processes involved in restoring your credit history
• Lost wages resulting from time required away from your employment in dealing with matters pertaining to an identity theft

BCAA protects British Columbians against damage from earthquakes. The province experiences many small tremors every year. But whatever the size, BCAA covers you against damage. Various deductibles and options are available

Earthquake coverage includes your choice of:

• home and contents
• home only
• contents only

Types of coverage:

• Home
• Condo
• Tenant

BCAA offers coverage to remove your deductible on your home policy should a glass claim occur. Deductibles range from $200 to $5000, and with No-Deductible Glass, you're covered.

BCAA Advantage Home includes $1 million of liability coverage, and provides policyholders with the opportunity to increase coverage up to $5 million.

Coverage includes:
Liability coverage will compensate third parties that you may unintentionally injure or cause damage to their property and may be legally liable for. 

 You are insured for claims made against you arising from:

• Personal liability
• Premises liability
• Tenants' legal liability
• Employers' liability