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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 what's 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 can save up to 20%.

Key Features

Fire and Smoke
Fire and Smoke

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

Crime and Vandalism
Crime and Vandalism

Your favourite possessions 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

Protect yourself anywhere in the world. 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.

building improvements additions
Building Improvements & Additions

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

strata assessment coverages
Strata Assessment Coverages

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

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Additional Living Expenses
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. 

unit additional protection
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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Additional Features

Earthquake Coverage
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 its contents.

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increased assessment
Increased Assessment Coverages

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

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Roof Guard
Extended Water Coverages : RoofGuard, DrainGuard, Flood

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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How Can You Save with BCAA?

Become a BCAA Member

BCAA Members always save 10%, on any home insurance policy. 

Loyalty Savings Bonus

Save 1% for every year you’ve had your home insurance with BCAA (up to an additional 10%).

Combine Home & Car

BCAA Members also save up to $40 when they combine their Home and Car Insurance.

Deductible Options

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

Why Choose BCAA Home Insurance? 

BC Based
BC Based

We know BC. Using our local knowledge and 40 years of experience as a province-wide home insurer, we understand the unique needs of British Columbians.

Trusted Experts
Trusted Experts

Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

Ways To Save
Valuable Ways to Save

Save up to 20% on your home insurance with us. You'll save when you remain claims free, the longer you've held a policy with us and BCAA Members save an additional 10%.

Award Winning
Award Winning Home Insurance

Trusted service is what we are known for and what we continue to win awards for year after year.

Saving the Day
Saving the Day

Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.


Members Get More

Save over $1,000 per year on BCAA Insurance, BCAA Auto Service Centres, Evo Car Share and at over 100,000 partner locations worldwide with a BCAA Membership. Not a Member? Join Today.

You get a lot with a BCAA Membership

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