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Insurance for Homes in a Shared Strata​

Small Strata Insurance you can count on.

BCAA Residential Strata Insurance helps protect your building, common property and common contents, and includes liability coverage for incidents the strata is found responsible for. If there’s an event like a burst pipe in the entranceway, a fire that spreads between units, or a guest injured on an outside pathway — when something goes wrong in a multi-unit building, it's the strata corporation that's on the hook.

We protect building owners of small stratas, such as a duplex, a triplex, or any strata with no more than four living units. If your strata insurance is in place and you're looking to insure your unit, not the building, you'll need Condo Insurance.

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Is my unit protected with Residential Strata Insurance?​

Condo and Residential Strata Insurance are made to complement each other. Residential Strata Insurance is designed for the strata corporation of the multi-unit building while Condo Insurance is for owners of individual units.​

It’s strongly encouraged to purchase insurance for your unit, in addition to your strata’s policy, as it protects you from things like unexpected damage to personal property and unit upgrades, personal liability, strata assessment coverages and more.

Buy BCAA Condo Insurance​

Core Coverages​

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Building & Common Assets Coverage​

Protection for your strata building, plus attached structures and outbuildings, from unexpected events.​

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Comprehensive Protection​

Events like a fires, internal water damage, weather and theft are protected unless otherwise stated in the policy wording, with comprehensive coverage.​

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Legal Liability​

Covers legal costs and damages if your strata corporation is responsible for injury to someone or damage to their property.​

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Guaranteed Building Replacement​

If eligibility conditions are met, your building can be repaired or rebuilt without being limited to the stated building amount on your declaration page​.

Optional Coverages​

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Building Bylaws​

Helps cover increased costs to repair or rebuild your home to current by-law standards.

Roof Guard
Extended Water Coverages​

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

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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 building and common property.​

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No Glass Deductible​

Protect your building against accidental glass breakage with our glass coverage and pay no deductible.​ ​

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.

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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.