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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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Key Features

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 Extras

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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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How Can You Save with BCAA?

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Become a BCAA Member

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

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Loyalty Savings Bonus

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

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Combine Home & Car

Members save up to $40 when you bundle home and optional car insurance, plus receive free tire protection†

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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

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 *.

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.

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Become a BCAA Member today.

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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.
†BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans.