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High Value Condo Insurance Comparison in BC

At Westland Insurance Group, we know that your condo and belongings represent your most valuable possessions. Which is why you need to have adequate coverage and a solid insurance company standing behind your policy.

We also know that, like insurance policies, not all condos are created equal. Which is why our High Value Condo Insurance might be exactly what you need to protect your unique home. See how we stack up against our competitors’ condo insurance policies.

Westland Key Features and Benefits

All Risk or Comprehensive Policy We cover your contents for “all risks”, not specific losses or “perils”
Off Premises coverage - contents We insure your contents both while temporarily away from your premises AND while permanently at another uninsured location (worldwide).
This includes student property while at school.
Replacement Cost – on contents We pay based on Replacement Cost on your contents, with no allowance for depreciation, even if you choose a cash settlement instead of replacing the items.
Bylaws(Rebuilding to Code) We cover additional costs to bring your Strata Unit up to current building standards in the event of a loss.
Special Levy Coverage We cover any special levy assessed by the Strata Corp. made necessary by a direct loss to the complex, caused by an insured peril or assessed due to a liability loss.
Improvement and Betterments We cover any improvements to your unit that are not covered by the Strata Corp.
Unit Owners Protection We cover direct damage to your unit, by an insured peril, if the Strata Corp. policy is inadequate.
No Deductible for Losses over $50,000
Temporary Relocation Costs Protection We cover your additional expenses if you need to move out of your home as a result of an insured loss

Liberalization Clause

If we increase any included coverage, you immediately get that coverage – at no extra charge.


Westland High Value Condo Insurance Comparison

Feature Westland Standard Competitor Policy
Personal Liability– including Personal Injury $5 million included with base policy $1 million or less included with base policy – not including Personal Injury
Silverware
$100,000 $25,000 or less
Bicycles
No limit $1,000 per item or less
Theft from Vehicle
No limit $3,000 or less
Personal Computer Hardware
No limit $5,000 or less
Spoilage of food in refrigerator or freezer
$5,000 $1,000 or less nce/home-insurance-featur
Wine Spoilage
$5,000 Not available
Student Property
No limit $3,000 or less
Property in Storage
No limit Not available. Must buy separate storage policy
Parent Property in a Care Facility
$10,000 Not available
Property in a Care Facility
$10,000 Not available
Credit/ Debit Card Protection
$10,000 $10,000 or less
Identity Theft
$25,000 Must buy a separate coverage
Search and Rescue
$5,000 Not available
Jewelry
$15,000 $5,000 or less
Extended Care Facility Protection – Contents
Westland Insurance Exclusive N/A
Contents in Storage
Westland Insurance Exclusive N/A
Cash Replacement Option
Westland Insurance Exclusive N/A

 

Discounts

We offer a variety of discounts as well including:

Added protection