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Condo or Townhouse Insurance

Protect your investment and what's inside.

Condo and townhouse owners have special insurance needs, compared to traditional detached homes. For example, your strata only covers damage to the building, not your belongings inside your unit. That's why our expert insurance advisors take the time to get to know you and your investment better. We help you find the right coverage for your property and your belongings. Plus, BCAA Members save up to 20%.
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Plan Benefits​

The unexpected can happen — whether it’s caused by you, or a neighbour. If there’s a fire, theft, burst pipe or a tap left running, save your wallet from taking a hit with BCAA.

Fire and Smoke
Fire and Smoke

Coverage for your personal belongings in case they are damaged or destroyed in a fire.

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Crime and Vandalism

Your favourite belongings are in your home. Make sure you're covered if anything is damaged or taken from your home due to theft, or stolen anywhere in the world.

Personal Liability
Personal Liability

Personal liability provides coverage for accidental damage or injury you cause anywhere in the world.

Water Damage
Water Damage

You're covered for things like if a pipe bursts under your sink, or if water suddenly escapes your washing machine destroying your hardwood floors.

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Building Improvements

Don’t let your handy work go to waste. This protects improvements you’ve made to your home, such as customized counter tops.

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Strata Coverages

Protection to offset costs assessed to you by your strata corporation for strata deductible payments, or cost of repairs to the strata building and common assets or liability assessments.

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Additional Living Expenses

When you’re out of your home due to a claim, your extra expenses are covered. We have options to increase your limit to fit your needs. 

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Unit Additional Protection

Cover yourself if your Strata can’t. This coverage is for loss or damage to your unit if your Strata’s insurance is inadequate or if their policy doesn't respond. 

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Optional Coverages​

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Earthquake Coverage

With over 1,200 earthquakes every year in BC, whether it's a tremor or when the big one hits, you'll want to protect your home and your belongings.

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Increased Strata Coverages

Although our condo and townhome insurance policies include coverage for strata liability, deductible and property damage assessment, you might need to increase your coverage based on your strata insurance policy. We’ll ensure you are fully protected.

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Roof Guard
Extended Water Coverages 

Protect your home from damage caused by external drains, water that enters your home through an opening in the roof, around windows and skylights, overflow of fresh water and accumulation of surface water.

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Short Term Rental Coverage

Renting your home can be a great way to generate some extra income from your property, but it’s important to be aware of the risks and ensure you have adequate coverage

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Cyber Coverage

With online security risks on the rise, get protection for the costs and damages arising from incidents like identity theft, online fraud and home system compromise. Plus, you'll have access to 24/7 phone support in the event you suspect you've been the target of a cybercrime.

How Can You Save with BCAA?

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Save 10% as a BCAA Member on any policy​

Members save an average of $115 on BCAA Home Insurance with this discount.

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Save up to 10% with BCAA Member loyalty savings

If you’re a BCAA Member, save an additional 1% for every year you’ve had your home insurance policy with BCAA — up to an additional 10%.

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BCAA Members save $100 with BCAA Home & Car Insurance

Get $100 of savings when you bundle BCAA Home and BCAA Optional Car Insurance as a BCAA Member.

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Save up to 20% when you’re claims free

Your claims history can play a part in lowering your premium. When you share your claims history during your quote, we'll calculate any savings you may be eligible for.

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Adjust Your Deductible​

A deductible is the amount you need to pay in the event of a claim. Increase the deductible to save more on your policy.

Why Choose BCAA Home Insurance? 

BC Based
BC Based

Our trusted advisors, call center and 24/7 emergency response teams are based in British Columbia, which means we’re easy to reach when you need us. ​

Trusted Experts
Straightforward & Trusted Advice​

We’ll ask the right questions to shape a policy tailored to your unique living situation. Quote and buy online, via phone or in-person at our BCAA Service Locations across the province. Expert advisor support is available on your channel of choice.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20%. Plus, you can reduce your premium with our claims-free discount, bundling options and more.​

Saving the Day
When It Goes Wrong, We Make It Right

Have peace of mind that you are covered in the event of a claim knowing that BCAA paid out over 95% of claims related to fire, water, weather and theft *.

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Purpose-Led

BCAA is committed to protecting our province and its people, through community initiatives like improving our wildfire resilience with FireSmart BC.

Members Get More

Save over $1,500 per year on BCAA Insurance, BCAA Auto Service Centres, Evo Car Share and at hundreds of your favourite brands worldwide. Plus, we’ve got you covered with the Best Roadside Assistance. Not a Member? Join today.

Classic 3 months free campaign

Join BCAA today and get 3 months of Membership FREE!

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BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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June 16, 2020 Tag Icon A light icon that looks like a tag Home
Navigating BC’s changing strata insurance landscape
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April 22, 2020 Tag Icon A light icon that looks like a tag Insurance
4 Common Myths About Condo and Townhouse Insurance
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August 6, 2021 Tag Icon A light icon that looks like a tag Home
5 simple ways to make your small home feel a lot bigger than it actually is
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*From 2022 to 2023, BCAA paid out over 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results.