The Landlord BC Program- Formerly ROMS

Landlord BC, Insurance Brokers, Insurance Agents, Insurance Victoria BC, Megson FitzPatrick, ICBC, Uptown, Motorcycle Insurance, Earthquake, Risk Management, Home Insurance, Business Insurance, Commercial Insurance, Auto Insurance, Car Insurance


Megson FitzPatrick is pleased to provide a specialized insurance program designed exclusively for members of Landlord BC. As the insurance provider of choice for Landlord BC, our program recognizes that members are responsible landlords, allowing us to provide broader coverage at very competitive rates.

Download our free Landlord Guide.  A great resource, full of tips on how to deal with tenants, minimize lawsuits, finding and retaining the ideal tenants and more.


Program Eligibility:

  • You must be a Landlord BC member in good standing
  • Available for residential rental properties anywhere in BC
  • Designed for buildings containing six or less self-contained residential rental units. (Ask us about similar coverage for larger buildings)
  • Coverage NOT available for rooming houses
  • Coverage provided on an offer and acceptance basis subject to acceptable underwriting criteria
  • Above Ground oil tanks must be less than 20 years old

Included Program Coverage:

  • All-risks coverage except as excluded in policy
  • Full Replacement Valuation of Building sum insured
  • $500 all loss deductible
  • Contents – 10% of sum insured may be applied (fridges, stoves etc)
  • Contents valued on an actual cash basis will allowance for depreciation
  • Gross Rental Income – 10% of sum insured may be applied
  • Debris removal included in sum insured
  • Increased costs due to by-laws
  • Vandalism damage caused by tenants
  • Commercial general liability – $5,000,000 total limit
  • Illegal substance activity extension – $50,000 maximum limit
  • Pollution liability extension – $10,000 maximum limit

Optional Program Coverage:

  • Earthquake – subject to 10% deductible
  • Flood – subject to $10,000 deductible
  • Sewer & drain backup – subject to $1,000 deductible
  • Increased contents & rental income limits
  • Vacancy permit subject to policy terms

Contact our Landlord BC Specialist Mike Nichol to learn more or request a quote by completing this form.

LandlordBC- Contact Form

    By clicking "I accept" I am providing Megson FitzPatrick Insurance Services with express consent, as defined by the Canadian Anti-Spam Laws, to contact me regarding Insurance products and services. At no time will this email be provided to, or shared with, any other organization, nor made available publicly.