Get help understanding the part of the risk that belongs to you — your contents, your improvements, your liability, and your exposure to strata deductibles. Clear advice first, quote second.
Estimated range for a standard owner-occupied condo in BC.
Condo insurance is designed to fill the gaps left by the strata policy. It protects your belongings, your unit upgrades, your liability, and your share of certain building-related exposures.
Helps protect personal belongings inside the unit, such as furniture, electronics, clothing, and household items, up to the policy limits selected.
Helps protect upgraded finishes inside your unit, such as custom flooring, renovated kitchens, and other improvements beyond original standard finish.
Helps protect you if you are legally responsible for bodily injury or property damage to others, including some claims that may begin in your unit.
Helps protect you if the strata passes along a deductible or special assessment after a covered building loss, subject to policy wording and limits.
Whether you are buying your first condo, replacing an existing policy, or reviewing what you already have, the goal is the same: understand your exposure and build a policy that fits it properly.
Too many condo owners assume the strata policy protects everything. We built Vansure to make the process clearer, more helpful, and easier to trust.
We walk through what the strata policy usually covers and what your personal condo policy is there to protect.
From improvements and contents to liability and loss assessment, we help shape the policy around the real unit exposure.
Questions do not stop once the policy is issued. We help at renewal, when strata deductibles change, and when claims questions come up later.
We start with the unit, the building, and the strata setup — then help narrow down the right direction.
Share the basics like building location, occupancy, improvements, contents value, and any strata insurance documents you already have.
We look at strata deductibles, improvement value, liability needs, and loss assessment exposure before reviewing suitable options.
Once everything makes sense, we help finalize the policy with a clearer understanding of limits, deductibles, and endorsements.
These are some of the most common starting points before a client moves ahead with a condo insurance quote.
Most policies are built around contents coverage, improvements and betterments, personal liability, additional living expenses, and loss assessment protection.
Strata insurance generally covers the building structure and common property. Condo insurance protects your belongings, your upgrades, your liability, and certain deductible-related exposures.
It can help protect you if the strata passes along a deductible or special assessment after a covered loss involving the building.
Yes, if you have upgraded flooring, cabinetry, counters, or other improvements beyond original finish, your personal condo policy is usually what protects them.
Ask for the insurance certificate, deductible amounts, and any bylaws related to owner insurance so your personal policy can be aligned properly.
Start the conversation with Vansure and get help understanding the coverage first — then we can work toward the right quote for your condo.
%20(2).svg)
No obligation · Licensed BC brokers