Condo & Townhome Insurance
Whether you reside in a vibrant apartment or a tranquil townhouse in Coquitlam, BC, our experienced team at AC&D Insurance is prepared to provide a custom condo insurance policy designed for your peace of mind, ensuring your property is well protected.
Unmatched Coverage Options at Poco Insurance
Condo & Townhome Insurance Features
Although the strata corporation often covers the building structure, your condo insurance policy from AC&D includes:
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Safeguards the contents of your home, such as electronics, appliances, furniture, and other personal belongings against loss or damage.
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Covers the costs of repairs for enhancements made to your unit, including upgraded flooring or kitchen and bathroom renovations.
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Offers financial support for extra expenses, such as hotel stays and meals, if you're temporarily displaced from your home following a claim.
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Provides legal protection against accidental property damage or bodily injury inflicted on others.
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A comprehensive trio of coverage that addresses your assessed share of insurable damage to the building, including if you're assessed the entire Strata Insurance Deductible.
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For ultimate peace of mind, your policy can be enhanced with additional protections against Sewer Backup, Flood, Earthquake, and more!
Why Choose AC&D Insurance for your Insurance Needs?
At AC&D Insurance Brokers, we understand the unique insurance needs of Coquitlam residents. Committed to providing personalized service and comprehensive coverage options, we strive to ensure that your home insurance delivers exceptional protection and peace of mind under any circumstances.
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Frequently Asked Questions about Condo Insurance
Have questions about condo/townhome insurance? We've compiled some common inquiries to help you understand your coverage options. For more detailed information, please consult with our brokers.
How can I determine the right amount of Condo Insurance coverage?
We recommend conducting an inventory of all your personal property and evaluating the replacement cost for everything as "Brand New." This total will guide the Personal Contents Coverage Limit we set. To accurately calculate your need for protection from Strata-related insurance assessments, please provide us with the latest copy of your building’s Strata Insurance policy.
My Strata has a very high Water Deductible. What should I do?
Our condo insurance policies can provide up to $100,000 of Strata Deductible Assessment protection. If your Strata's Deductible exceeds $100,000, we offer Excess Strata Deductible Assessment Policies to "Top Up" your coverage.
Does Condo insurance cover events like Floods or Earthquakes?
Flood and Earthquake coverage can be added to most condo policies, providing protection not only for your unit but also against strata-related assessments during such claims.
Why do I need Condo Insurance? Doesn’t the Strata Provide Insurance?
While the Strata insures the building structure, you are responsible for insuring your unit's Personal Property, Unit Betterments & Improvements, Additional Living Expenses, Personal Liability, and protection against Strata Assessments, including Deductible Assessments in cases of insurable damage (e.g., a water claim originating from your unit).
What is the difference between Apartment, Condo, and Townhome insurance?
For insurance purposes, Stratified Apartments, Condos, and Townhomes are all treated as condominiums. The different terms mainly reflect their building design rather than differences in insurance coverage.
Looking to File a Claim?
We understand that dealing with an insurance claim can be a stressful experience. At AC&D Insurance, we are here to guide you through the process and make it as smooth as possible. Our dedicated claims team is available to assist you every step of the way.
Residential Quote Request
Please complete the form below to start your home insurance quote or renewal process. Our team will contact you within 1 business day (excluding weekends and holidays) to discuss your quote and gather any additional information needed.