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Secure Your Condo Insurance Today

Condo Insurance

Protect your condo in British Columbia with comprehensive insurance that covers personal belongings, liability, and additional living expenses, ensuring peace of mind.

Condo Insurance Made Easy

What Is Condo Insurance?

Condo insurance in British Columbia safeguards your personal property, covers liability claims, and provides additional living expenses if you need to temporarily relocate due to damage. This insurance fills the gaps left by your strata’s policy.

What does Condo Insurance cover?

Condo insurance covers personal belongings inside your unit, liability for injuries or damages to others, additional living expenses if you are displaced, and improvements made to your unit. It also includes deductible protection for strata assessments and loss assessment coverage related to shared property damage.

How much Condo Insurance do you need?

The amount of condo insurance you need depends on the value of your personal belongings, any improvements you’ve made to your unit, and your liability exposure. It’s crucial to assess the total value of items like furniture, electronics, and clothing. Additionally, consider the potential costs of temporary housing and any upgrades to ensure adequate coverage.

Do you need Condo Insurance?

While condo insurance is not legally mandatory in British Columbia, it is highly recommended. If you have a mortgage, lenders often require it as a condition for approval. This insurance protects your investment by covering personal property losses from theft or damage, liability claims from accidents, and additional living expenses if you cannot stay in your unit. Without this coverage, you risk significant financial loss in case of unexpected events. Given the unique risks associated with condo living, having a tailored policy is essential for safeguarding both your home and belongings.

Get the Information You Need

Commonly Asked Questions

Have questions about our services? Our FAQ provides clear answers to common insurance concerns, making it easy to understand policies, coverage options, and processes so you can make informed decisions.

Condo insurance covers your personal belongings and unit improvements, while strata insurance covers the building structure and common areas. Strata insurance does not protect your personal items or any upgrades you make to your unit.

Yes, most condo insurance policies in British Columbia cover damages from natural disasters such as fire, windstorms, and water damage from burst pipes. However, specific coverage for events like earthquakes may require additional endorsements.

Absolutely! Many insurers offer customizable policies that allow you to add or remove coverage options based on your needs. You can adjust limits, deductibles, and additional coverages like identity theft protection or valuable items coverage.

You can lower your premiums by increasing your deductible, bundling your condo insurance with other policies (like auto insurance), installing security systems, and maintaining a claims-free history. Shopping around for quotes can also help you find competitive rates.

If you make a claim, you will need to contact your insurer and provide details about the incident. They will guide you through the claims process, which may involve an investigation and assessment of damages. Depending on the outcome, you may receive compensation for covered losses.

Typically, coverage begins as soon as your policy is in effect and the first premium is paid. However, some specific types of coverage (like flood or earthquake) may have waiting periods before they take effect, so it’s essential to review your policy details.

Yes, common exclusions may include damage from neglect or wear and tear, certain natural disasters (unless specifically covered), and personal liability claims arising from business activities conducted in the condo. Always read your policy carefully to understand what is excluded.

Yes, but if you rent out your unit, you may need a landlord policy or a specific endorsement on your condo insurance to cover rental-related risks. It’s important to inform your insurer about any rental activities to ensure adequate coverage.

Simple Steps to Get Insured

Our Insurance Process

Discover our streamlined insurance process designed to be quick and straightforward. From initial quote to policy purchase, we guide you through every step to ensure your complete satisfaction.
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Get a Quote

Begin with your information to get a detailed insurance quote.

We’ll gather your personal or business information through our secure form to create an insurance quote just for you.

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Review Options

Review coverage choices from different providers and choose the best one.

We’ll guide you through comparing insurance options, helping you select the plan that best matches your coverage needs and budget.

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Purchase Policy

Sign up with ease and enjoy peace of mind with your new coverage.

We’ll help you secure your policy quickly, providing immediate access to your documents and full dedicated support.

Insurance Specialists in Every Area

Agents With Professional Liability Insurance Experience

Our team of experts specializes in home, auto, business, life, travel insurance, and more, providing you with tailored guidance to ensure you receive the best possible coverage.

Proudly recognized as one of the top independent brokerages in Vancouver.

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Coverage Made Easy

Insurance Solutions for Every Need

Safeguard your life’s biggest investments with tailored home, auto, and commercial insurance solutions. Trust our expertise to provide personalized coverage that effectively protects your unique assets.

Ship repairers liability insurance in BC protects marine repair businesses from financial losses due to accidents, injuries, or damage during repair operations.

Motor truck cargo insurance in BC protects trucking companies from financial losses due to damage or theft of goods during transport, ensuring business continuity.

Protect your BC business from professional negligence claims with comprehensive liability coverage. Get a free quote for tailored insurance today.

Pollution liability insurance in British Columbia protects businesses from environmental risks, covering costs related to pollution incidents and safeguarding against legal claims.

Private Client Insurance in British Columbia provides customized coverage for high-net-worth individuals, safeguarding valuable assets and offering tailored risk management solutions.

Inland Marine Insurance in British Columbia protects valuable goods and equipment during transit, ensuring coverage against theft, damage, and loss.

Liquor liability insurance in British Columbia protects businesses serving alcohol from claims related to intoxicated customers, covering legal fees and damages.

Secure your future with Health and Disability Insurance in British Columbia, offering financial protection against illness or injury that prevents you from working.

Explore comprehensive Group Benefits in British Columbia, designed to support employee health, wellness, and financial security through tailored insurance plans.

Rental property insurance in BC protects landlords from financial losses due to property damage, liability claims, and loss of rental income.

Tenant insurance in British Columbia protects your personal belongings and provides liability coverage, ensuring peace of mind while renting your home.

Protect your home and belongings with comprehensive Home Insurance in British Columbia, ensuring financial security against unexpected damages and liabilities.

Protect your condo in British Columbia with comprehensive insurance that covers personal belongings, liability, and additional living expenses, ensuring peace of mind.

Travel insurance in British Columbia protects you from unexpected medical expenses, trip cancellations, and lost belongings, ensuring peace of mind while traveling.

Umbrella insurance in British Columbia offers essential extra liability coverage, protecting your assets against unforeseen legal claims and financial risks.

Protect your investment with comprehensive Marine & Boat Insurance in British Columbia, ensuring coverage for damages, liability, and peace of mind on the water.

Protect your RV with comprehensive insurance in British Columbia, ensuring peace of mind while you explore the great outdoors.

Inland Motorcycle Insurance in British Columbia offers tailored coverage for motorcycle enthusiasts, ensuring peace of mind on the road and during off-seasons.

Fleet Insurance covers multiple business vehicles under one policy, protecting against liabilities like accidents, theft, and damage.

Commercial auto insurance covers vehicles used for business purposes, protecting against liability, damages, and accidents involving your company’s cars, trucks, or vans.

Auto insurance in BC covers your vehicle and protects against risks like accidents, theft, and third-party liability, ensuring safe and compliant driving.

Designed for Your Peace of Mind

Why Should You Work With Us?

S&S stands apart with a blend of local expertise and personal commitment, creating insurance solutions that resonate with your needs in British Columbia. We deliver personalized service that fits into your busy life.

Tailored Plans

Expertly crafted insurance solutions uniquely tailored to meet your specific lifestyle and coverage needs effectively.

Local Experts

Leverage our local knowledge to secure insurance that's suited for British Columbia’s unique market conditions.

Wide Coverage

Explore a wide range of personal and commercial insurance products, all through one comprehensive policy.

Reliable Service

Committed to outstanding customer service, we ensure continuous support, making your experience stress-free.

Cost Savings

Experience savings on your premiums with our competitive pricing without sacrificing the quality of your coverage.

Experienced Team

Our team of professionals brings 30+ years of expertise to guide you through the insurance selection process.

Trusted Partners

In partnership with top insurers, we provide robust, reliable coverage tailored to meet your unique needs.

Easy Access

Open daily, with extended hours across multiple locations for easy access to our insurance services at your convenience.

Partnering with Top Providers

Getting You The Best Quote

We work with trusted insurance companies to compare the best coverage and rates. Our team helps you save by offering tailored solutions that can beat your current policy and provide great value for your needs.

Positive Stories

Trusted by Our Clients

See what our clients say about S&S Insurance—personalized service, expert advice, and unbeatable savings. Real experiences from satisfied customers who trust us to protect their home, business, and assets.
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VIKAS POONIA
I had an excellent experience with S & S Insurance, thanks to Kuldeep. She is truly one of the best employees I've encountered. Kuldeep explained everything clearly and made the entire process very smooth. Her friendly and approachable nature made it easy to ask questions, and he took the time to ensure I understood all my options. It's rare to find someone who genuinely cares about their clients, and Kuldeep's professionalism and excellent communication skills made a big difference. I highly recommend S & S Insurance, especially if you're lucky enough to work with Kuldeep!
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Mathew Myles
Great insurance broker.
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Ernest Mangum
I can’t say enough good things about their health insurance options. They went above and beyond to find me the best plan for my needs, and the staff was always friendly and helpful. It’s great to know I’m covered, and I didn’t have to jump through a bunch of hoops.
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Abad Abdella
I was nervous about getting education insurance for my kids, but these guys really put me at ease. They explained everything in a way that made sense and got me set up with a great plan. Now I feel prepared, and I know my kids’ future is protected.
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Elias Lashley
I recently got boat insurance here, and I couldn’t be happier. The whole process was quick and easy, and the staff really knew their stuff. It feels good knowing my boat is protected, and the team made sure I understood all the details without overwhelming me.
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Ran Oung Nrein
Good service.
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Saman Brar
Came here to update insurance from Indian License to Learners License. Amy even went overtime, and spent extra 1 hour to make sure, all our insurance updation questions were answered, Great Customer Service!!!!
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Geoff Davis
Two years ago I needed a new insurance agent. I was referred to S & S Insurance. I had the pleasure of meeting Amrit Sidhu. He was very helpful and patient and explained everything. I received excellent service from Amrit Sidhu and S & S Insurance.
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Your Insurance Knowledge Hub

Insurance Insights and Tips

Stay informed with expert advice on insurance trends, coverage tips, and ways to save money. Our blog features articles that help you make smarter decisions about protecting your home, car, business, and more.