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Renew or Change your ICBC Insurance onlineCondo ownership involves unique insurance concerns, with multiple policies in place, including the community condo insurance, and your personal insurance. It is important to ensure that, between the policies, your home and belongings are adequately protected, with no gaps in the coverage.
There is a level of security to being part of the condo community, knowing that many of the responsibilities of homeownership are taken care of, but your condo insurance is one area that must be looked at individually. Your personal insurance should provide extra liability insurance, above and beyond what the master condo insurance includes, or there is the potential for liability and inadequate protection if your policy is lacking.
As well, if you have not carefully evaluated the coverage of the communal policy, as well as your personal policy, you may be unnecessarily overpaying for double coverage in some areas.
Striking the correct balance of condo insurance coverage, making sure you are protected against liability and loss while avoiding overpaying for redundant coverage, is the goal.
If you own a home in a building or development with joint property ownership, then condo insurance is the correct coverage for you. At Prime Insurance, we will help you review your coverage and ensure that you have all your bases covered, with a personal insurance policy that picks up where the condo association’s policy leaves off.
Contact us today for condo insurance in Surrey, Vancouver, Langley, White Rock, Delta, Richmond, Maple Ridge, Coquitlam, Burnaby, North Vancouver, West Vancouver, and across the Lower Mainland. We will tailor your condo insurance, so you have the ideal coverage at the most affordable rates possible.
Why Choose Us
Your strata’s master policy can be complex. We specialize in analyzing it to identify crucial gaps, ensuring your personal condo insurance provides seamless protection where their coverage ends, so you are never left exposed.
Standard policies don’t cover your valuable upgrades or all your belongings. We tailor your plan to protect your custom finishes, high-end appliances, electronics, and personal possessions against damage, loss, or theft.
If you need to make a claim, navigating between your policy and the strata’s can be frustrating. As your broker, we act as your dedicated advocate, ensuring a smooth, fair, and efficient process.
Secure Coverage for Your Condo Lifestyle
Condo insurance is designed to protect you where your strata corporation’s master policy ends. It provides a range of coverage options to protect your personal belongings, your unit’s interior, and your financial security.
In addition, your condo insurance policy can include:
Some coverage options are essential, while others are optional. At Prime Insurance, we review your strata’s master policy to identify gaps, ensure you understand your unique needs, and recommend the best coverage and limits for your condo and lifestyle.
Our Insurance Solutions
Protect your personal property, liability, and interior upgrades. We tailor policies that fill the gaps left by your strata’s master insurance for your complete peace of mind.
Renting a condo? Your landlord’s policy doesn’t cover your belongings. Our tenant insurance protects your personal property from theft or damage and covers your personal liability.
Rent out your condo with confidence. Our landlord policies protect your investment property, cover your liability as a building owner, and can even protect your rental income.
Understanding Condo Insurance in Surrey & Vancouver
Navigating condo insurance in Surrey can be tricky. Your strata corporation has a master policy for the building, but this coverage stops at your unit’s doorstep. This leaves significant gaps in your condo coverage, as your belongings, interior upgrades, and personal liability are your responsibility to protect.
Without a personal Surrey condo insurance policy, you face financial loss from theft or a liability claim. It’s crucial to have tenant insurance or owner’s coverage that works with the strata policy. Our job as your insurance broker in the Lower Mainland is to find that perfect fit.
At Prime Insurance, we review your strata policy to design a plan that fills the gaps. We ensure your condo coverage in Vancouver, Burnaby, or Langley protects your belongings and liability, giving you comprehensive protection across BC.
What our Clients Say
Excellent service. Kul was great, very personable. Took the time to look thru my insurance options and even get me extra discounts. Definitely will recommend and use Prime Insurance from now on.
I been using this location for my business for years, great customer service and knowledgeable people.
We have been buying house, car and travel insurance for the last 25 years. Kul is very helpful and knowledgeable. He goes the extra mile to treat his customers, the whole team treats their customers like there own family
I was so pleased with the great service and the advice given to me. I also always recommend them to family and friends. They never disappoint. So hard to come by these days. Probably the best shop in Surrey for insurance.
Excellent services received, attended on time, explain everything for clarification and I felt like a very great valued customer. Will definitely refer and recommend this location to my family and friends. Rating 9/10.
Excellent service. Sharan is very friendly and knowledgeable. Got answers to all my questions. Highly recommend this place.
Our Blogs
From understanding your ICBC renewals to choosing the right home or business insurance, our blog breaks down complex topics into clear, helpful tips
December 15, 2024
December 5, 2023
November 22, 2023
November 26, 2021
January 21, 2021
FAQ’s
Condo insurance can be confusing. Here are clear, simple answers to common questions about protecting your unit and lifestyle.
Yes. The strata policy covers the building, not your belongings, upgrades, or personal liability. Your own policy fills these crucial gaps.
Your personal liability coverage is designed for this. It helps cover the costs of the damage to your neighbour’s unit if you’re found responsible.
Yes, if it’s for a covered loss. Our policies include loss assessment coverage to help you pay your share of these unexpected, costly bills.
They can be. We tailor your policy to include the value of your specific upgrades and improvements, which the strata’s insurance won’t cover.
Your policy includes additional living expenses. This covers costs like hotel stays and meals while you are temporarily displaced from your home.
Yes, your personal property is typically covered against theft even when it’s temporarily away from your condo, subject to your policy limits.
We typically recommend at least $1 million, but often suggest more. We will help you assess your personal risk to choose the right amount.
Get in Touch With Us
We’re open daily to help you find the right coverage or make updates to your current policy.
