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LandlordBC Insurance

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Dedicated Program to Meet Landlord Insurance Needs

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

Program Eligibility:

  • You must be a LandlordBC Association member and each property must be registered with the association – Contact LandlordBC at 1.888.330.6707 or [email protected] to discuss enrollment eligibility.
  • Available for residential rental properties anywhere in British Columbia.
  • Oil Tanks – above ground less than 20 years old – quote available for older tanks, subject to new tank being installed within 30 days.
  • Designed for buildings containing 10 or less self-contained residential rental units. (Ask us about similar coverage for larger buildings).
  • Coverage NOT available for rooming houses defined as one self-contained unit with multiple unrelated tenants (i.e. various people, each occupying a bedroom and sharing the rest of the unit-each paying rent).


  • All-risks property coverage, except as excluded in policy wordings.
  • Building sum insured covering for full replacement cost. Guaranteed Replacement Cost may be available, please ask for details.
  • Allowance for up to 10% of the building sum insured to be applied to rental contents (i.e. appliances, window coverings, etc.) and/or rental income. These extensions are included in total value and DO NOT increase the amount payable under the policy.
  • Damage to rental contents valued on a replacement cost basis.
  • Loss of gross rental income arising from an insured peril – up to a 12-month period. Option to increase to 18 and 24 months.
  • Damage to outbuildings, garages and sheds insured to 10% of the building sum insured. This extension increased the total amount payable under the policy.
  • Water damage – subject to $1,000 deductible.
  • Illegal substance activity extension – $50,000 maximum limit.
  • Debris removal extension included in sum insured
  • Increased costs due to by-laws extension – $50,000.
  • Damage caused by tenant vandalism.
  • Commercial general liability – $5,000,000 total limit
  • Pollution liability extension – $10,000 maximum limit

Optional Program Coverage

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Subject to 10% deductible.

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Subject to $10,000 deductible.

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Sewer & Drain Backup

Subject to $1,000 deductible.

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Vacancy Permits

Increased coverage for contents, rental income or outbuilding.

Contact our LandlordBC Specialist Mike Nichol today to learn more or to request your free Landlord Guide. The landlord guide is a great resource, full of tips on how to deal with tenants, minimize lawsuits, finding and retaining the ideal tenants and more.

Areas We Serve

  • Abbotsford
  • Aldergrove
  • Burnaby
  • Campbell River
  • Castlegar
  • Chilliwack
  • Colwood
  • Coquitlam
  • Cordova Bay
  • Courtenay
  • Cranbrook
  • Dawson Creek
  • Duncan
  • Esquimalt
  • Fernie
  • Fort St. John
  • Gibsons
  • Gulf Islands
  • Kamloops
  • Kelowna
  • Ladner
  • Ladysmith
  • Langford
  • Langley
  • Mission
  • Nanaimo
  • Nelson
  • Oak Bay
  • Osoyoos
  • Parksville
  • Peachland
  • Penticton
  • Port Alberni
  • Powell River
  • Prince George
  • Prince Rupert
  • Quesnel
  • Richmond
  • Saanich
  • Salmon Arm
  • Sechelt
  • Sidney
  • Sooke
  • Squamish
  • Summerland
  • Surrey
  • Terrace
  • Trail-Fruitvale
  • Tsawwassen
  • Uptown
  • Vancouver
  • Vernon
  • Victoria
  • View Royal
  • Whistler
  • White Rock
  • Williams Lake

Customer Testimonials

I just wanted to let you know how amazing Sue and Chelsea are. Last Friday was our fleet renewal and of course ICBC through us a curve ball hours before. Sue worked around the clock calling and emailing ICBC to resolve the issue. Sue took many calls from me and was always professional, positive and happy. The fleet was reinsured Friday afternoon, both Sue and Chelsea met me in the parking lot to thank me for the business. All year long no matter what time of day it is they always take my calls, from permits to new vehicle purchases they make it a very simple professional process. I can not thank them enough for their hard work and dedication to customer service. Looking forward to another great year with your team.

I wanted to thank you and the whole team over the past year and a bit. Your service was exemplary and I couldn’t be happier with your willingness to help and for the turnaround times in a very precarious market. It definitely made my job easier.

Megson FitzPatrick has been looking after our insurance needs since 2014 professionally and personally. They are very reliable, responsive and we have built a strong relationship with them. Our account is quite complex, but they always find solutions to our needs and everyone involved in our account is knowledgeable about Marina operations. We are very pleased with the service we receive from Megson’s and would recommend them to others.

Recently got in touch with Jeremy @ Megson FitzPatrick over an issue involving liability and a nanny share. He and the team we able to get us sorted in a very quick manor without issue. Great experience and highly recommend them!

Very competent and professional. Since they act as a broker, they find the best deal for you. Contrast that with an insurance chain that tries to fit you to their products.

On the ball staff that really take care of you. Easy to do business with!

Thanks, Steve. You and your team have been an absolute pleasure to deal with. Every time I bring an opportunity to you, you hit it out of the park. A few years ago, we moved to a model of preferred suppliers and consolidated our business because we find that this approach builds a mutually beneficial partnership where both parties win. We consider Megson FitzPatrick our preferred insurance provider, for sure. Thanks for looking out for us.

I am fortunate to have Megson FitzPatrick as our risk manager and insurance provider. They have always taken an active role in our ever-evolving security software business to ensure that we have the most comprehensive coverage and their expert advice and top-notch service are the best in the industry in my books.

This is why we use Megson’s, you make our life so easy…

Cam Williams, Coast Claims handled my golf club claim. He was great!

Start a conversation with one of our expert brokers today to determine the right coverage for you.

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