Condo & Townhome Insurance
Whether you reside in a lively condo or a tranquil townhome in Maple Ridge, BC, our expert team at Heris & Leib Insurance Brokers will provide you with a bespoke condo insurance policy that ensures peace of mind knowing your property is secure.
Unmatched Coverage Options at Poco Insurance
Condo & Townhome Insurance Features
While strata corporations typically handle insuring the building structure, your condominium insurance policy from Heris & Leib includes:
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Safeguard the contents of your home, including electronics, appliances, furniture, and other personal belongings against loss or damage.
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Covers the costs of repairs for upgrades made to your unit such as enhanced flooring or kitchen and bathroom renovations.
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Offers financial support for extra expenses like hotel stays and meals if you are temporarily displaced from your home due to a claim.
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Provides legal protection against accidental property damage or bodily injury caused to others.
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A trio of coverages that ensures your assessed portion of insurable damage to the building is covered, including coverage for the entire Strata Insurance Deductible if assessed.
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For complete peace of mind, your policy can be fully customized with additional protections against sewer backup, flood, earthquake, and more!
Why Choose Harris & Leib Insurance for your Home Insurance Needs?
At Harris & Leib Insurance Brokers in Maple Ridge, we recognize the distinct requirements of homeowners in British Columbia. Dedicated to delivering personalized service and extensive coverage options, we ensure that your home insurance offers protection and peace of mind in every situation.
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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.
My Strata has a very high Water Deductible? What should I do?
Our condo insurance companies can provide up to $100,000 of Strata Deductible Assessment protection. If your Strata Deductible is over $100,000, don’t worry; we have several Excess Strata Deductible Assessment Policies available to "Top Up" your coverage.
Does Condo insurance cover events like Floods or Earthquakes?
Flood and Earthquake coverage can be added as additional coverage onto most condo policies. These coverages not only protect your unit but can also provide protection against strata-related assessments during such claims.
Why do I need Condo Insurance? Doesn’t the Strata Provide Insurance?
While the Strata does insure the building structure, you are still 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 case of insurable damage to the building (e.g., a water claim originating from your sink).
How can I determine the right amount of Condo Insurance coverage?
We recommend conducting an inventory of all your personal property and evaluating the cost to replace everything "brand new." This total will be set as your Personal Contents Coverage Limit. To calculate how much protection you will need from strata-related insurance assessments, please send us the latest copy of your building’s strata insurance policy.
What is the difference between Apartment, Condo, and Townhome insurance?
In insurance terms, stratified apartments, condos, and townhomes are all insured as condominiums. The different terms reflect their building design rather than how the insurance functions.
Looking to File a Claim?
We understand that dealing with an insurance claim can be a stressful experience. At Harris & Leib 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.