Condo insurance in B.C.
Condo owners own their individual units outright but have shared ownership of the condo building and its common areas. Typically, your strata corporation has an insurance policy covering the structure, which includes common areas such as the lobby, walkways, elevators, heating systems.
Sometimes a condo unit owner can be assessed with the strata corporation’s insurance deductible. For example, if water damage originates from your unit and causes damage to other areas of the building, the strata may pass the full cost of it’s insurance deductible onto you. These types of assessments commonly range from $10,000 to $250,000 or more, so it’s important for unit owners to know what their strata deductibles are.
Our insurance professionals can help you get coverage to protect you from assessment of a strata deductible. We represent a range of insurers that can provide high limits of coverage.
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