Condo (strata) unit owner insurance covers what the condominium corporation’s master policy does not: your belongings, upgrades you or previous owners made to the unit, your personal liability, and assessments the corporation can pass on to owners — including large water-damage deductibles that have climbed sharply in some markets.
Home, condo & tenant
8 min read
Updated Oct 12, 2026
Earthquake Insurance BC: Cost, Deductibles and Who Needs It
A standard home policy in BC doesn't cover earthquake shaking. You add an earthquake endorsement with a percentage deductible, and strata owners also share their building's earthquake deductible. Here's the math, and who should add it.
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