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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 09-30-2019, 09:38 AM   #1
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high rise condo insurance reco

policy expiring, want to shop around a bit
mainly want flood protection

any recommendations?

side note, saw dolce building on seymour got majorly flooded recently
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Old 09-30-2019, 09:52 AM   #2
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don't bother, its gonna be $$$$$$$$

no underwriter wants condos now

600/ year for a one time 80k payout
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Old 09-30-2019, 11:11 AM   #3
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don't bother, its gonna be $$$$$$$$

no underwriter wants condos now

600/ year for a one time 80k payout

clearly you don't understand how insurance works
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Old 09-30-2019, 11:17 AM   #4
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I go through BCAA and found their prices to be pretty good and you get additional discounts if you have a BCAA member and other insurance through them. Never had to do any claims with them but have read that process is good

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Old 09-30-2019, 11:34 AM   #5
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For us, BCAA has been consistently the cheapest for home insurance
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Old 09-30-2019, 11:46 AM   #6
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When it comes to home insurance, don't just look at the premium that you have to pay. You also want to pay attention to who the underwriter of the policy is.

I know we're talking condo here, but a friend whose house is insured by Canadian Northern Shield have had a really awful experience in settling a claim, to the point that it has been dragging on for years. On the other hand, my home insurance agent told me that Economical Insurance tends to be more reasonable with their claims, but they are generally a little more expensive.
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Old 09-30-2019, 12:30 PM   #7
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BCAA as well with my condo. From what I read they tend to be easier to deal with when there is a claim. Fees tend to be $5 to 10 more expensive than other insurance company though.
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Old 09-30-2019, 12:51 PM   #8
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clearly you don't understand how insurance works
most condo policies have gone up 20% as the loss ratios are higher in the last couple of years

these underwriters are not icbc, they are there to make money

cooperators have been cheap too, also you have to look at claim forgiveness on these policies, you filed a claim once you don't want to pay arm and a leg next year as you can't jump to another company
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Old 09-30-2019, 02:38 PM   #9
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TD bank insurance has Alumni discounts. Mine cost about $450 a year.
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Old 09-30-2019, 03:00 PM   #10
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I pay like $300-something a year through Square One... you can do it all online...

I've never made a claim with them, so I can't comment on that aspect of it, but they are by far the cheapest one out there.
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Old 10-02-2019, 10:14 AM   #11
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for my condo and townhouse, cooperators was the best. for detached TD.
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Old 10-02-2019, 01:04 PM   #12
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ok thanks, went with bcaa for ease and peace of mind
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Old 10-02-2019, 01:38 PM   #13
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I pay like $300-something a year through Square One... you can do it all online...

I've never made a claim with them, so I can't comment on that aspect of it, but they are by far the cheapest one out there.
That's who I went with as well but just recently for the first time. I had Coast Capital before and they were far more expensive but I didn't shop around previously.
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Old 10-08-2019, 10:18 AM   #14
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i'm recently also looking for home insurance. what basic coverage does everyone get? and on average would the prices be $300-500/year on a $550sqft one bedroom unit?
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Old 10-08-2019, 11:00 AM   #15
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For us, BCAA has been consistently the cheapest for home insurance
Try a broker, I'd be surprised if your rates drop close to 50%, BCAA is expensive when it comes to home insurance. I was with BCAA forever then I started shopping around saved a bunch of money, did that for a while and then tried a broker and saved even more.
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Old 10-08-2019, 11:24 AM   #16
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Try a broker, I'd be surprised if your rates drop close to 50%, BCAA is expensive when it comes to home insurance. I was with BCAA forever then I started shopping around saved a bunch of money, did that for a while and then tried a broker and saved even more.
which broker are you using/recommend?
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Old 10-08-2019, 05:22 PM   #17
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which broker are you using/recommend?
This is the one I used.

https://www.twotherspoonins.com/
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