Giving BC Condo Owners Confidence in their Coverage
With Megson FitzPatrick, you can rest assured the condo you’ve worked hard to own is protected.
While your condo corporation has insurance, it only covers the structure and common areas. That’s why it is important for you to have your own coverage to protect your personal unit and belongings.
What Does Condo Insurance Cover?
- Condo insurance provides coverage for:
- Physical damage
- Personal liability
- Additional living expenses
Condo Insurance Can Help Cover Physical Damage Expenses
While you take the necessary precautions to avoid causing physical damage to your unit, condo insurance can help cover damage caused by accidents as well as those hazards that are largely out of your control.
Condo insurance commonly covers physical damage that results from:
There are also additional policies (called endorsements) that you may want to consider adding to your condo coverage. For example, earthquake, sewer backup and overland flooding are typically not included in a standard condo insurance policy—but you may still want to consider adding such endorsements to your coverage.
Condo Insurance Provides Personal Liability Coverage
As a condo owner, you can be sued if a visitor to your residence is unintentionally injured or if you damage your neighbour’s property. In such instances, personal liability coverage can help cover your legal expenses.
Condo Insurance Can Provide Additional Living Expenses
Dealing with property damage to your condo can be overwhelming; having to vacate your property for a period of time while repairs take place can add to the stress.
Fortunately, if you have an approved claim, condo insurance can help cover additional living expenses for things like accommodation, transportation and food while you are unable to access your unit. This coverage can also kick into effect if you are mandated to evacuate your condo due to a risk or hazard.
How Are Condo Insurance Rates Determined in BC?
Several factors regarding the condo building, the local neighbourhood and your personal circumstances are considered when determining condo insurance rates.
For examples, insurers will look at the following building details:
- Building type (i.e., high-rise, townhouse)
- Building construction materials
- Age and type of roof
- Age and type of electrical, plumbing and heating
- The installation and use of devices such as security alarms, sump pumps and more
- Proximity to a fire hydrant and fire station
- Proximity to natural hazards such as bodies of water
Insurers will also consider neighbourhood specifics, such as:
- The crime rate of your neighbourhood
- The claim rate of your neighbourhood
And insurers will also factor in your personal details, including:
- Your age
- Your credit rating
- Your insurance and claims history
- The replacement value of your personal belongings
- The replacement value of your condo unit
Lastly, choices you make about your coverage—such as your deductible, policy limit and the addition of any endorsements—will also impact the cost of your condo insurance.
Why Choose Megson FitzPatrick as Your Condo Insurance Broker?
As one of the leading, independent insurance brokerages in British Columbia, Megson FitzPatrick provides condo owners with peace of mind.
Our expert condo insurance brokers take the time to truly understand your unique needs and will compare across our extensive network of insurers to secure you the most comprehensive coverage at the best price.
Get your free condo insurance quote today and discover the Megson FitzPatrick difference.
Areas We Serve
- Campbell River
- Cordova Bay
- Dawson Creek
- Fort St. John
- Gulf Islands
- Oak Bay
- Port Alberni
- Powell River
- Prince George
- Prince Rupert
- Salmon Arm
- View Royal
- White Rock
- Williams Lake
Samantha, I want to thank you very much for your quick and efficient service in relation to insuring my most recent boat. You’ve helped me insure three boats now, but this one required particularly quick action since the boat arrived late from the builder and I was committed to take it on a trip almost immediately upon delivery. I know you had to work extra time (sometimes late at night) to meet the deadlines – always cheerfully.
We were also working with a less experienced dealer and a rather opaque Bill of Sale, which required some additional work on your part – which was appreciated.
Thanks again. You are a big reason for us to stay with Megson Fitzpatrick, not only for boats but other insurance needs.
I wanted to send you a quick note that I was very impressed with the service Samantha [Slack] has provided me with my house insurance renewal. Samantha was very responsive, made herself available for a meeting to answer my questions, and I felt she really went above and beyond with her service. I would be happy to recommend Samantha to any of my friend, family, or business contacts.
Hi Samantha [Slack]
Thanks very much for the speedy service. I needed boat insurance quickly to complete my purchase of a vessel and you made it easy. It was good to have a couple of quotes to compare. I’ve been with Megson FitzPatrick for my current boat and that has worked well. Thanks again.
I would like to inform you of the exceptional customer service experience I received from your insurance broker Samantha Slack. There is no question that she is far superior to the insurance brokers I have dealt with in the past from Harbord, Brown Brothers and other insurance agencies. For the most part people see insurance as a commodity and it does not really matter what you buy. But I can attest that the broker relationship is the key that sets you apart from others, and the insurance broker staff is the face of the organization,
resulting in either a good or bad experience.
Samantha’s knowledge of the products is exceptional and her response time and follow up to e-mails and questions is unique in this era of poor / declining customer service. My introduction to Megson FitzPatrick has been a very positive experience due to Samantha’s assistance, resulting in my transfer of two residential policies and a commercial policy for my business.
I will likely be moving my other policies over to Megson in the future when they come due. I would like to thank the Management team at Megson for their recruitment and training of exceptional staff like Samantha. You are definitely a step above the other insurance options in Victoria.
I send this expressly to commend the excellent, most professional service extended by two of your representatives :
I live in Vancouver and was considering purchasing a motorcycle located in Kamloops. Now 74 years of age, I’ve owned many motorcycles since I was 15, so after many long and quite detailed phone conversations with the Seller, I came to the conclusion that the purchase would be sound and worthy of the 4 hour trip to Kamloops to close the sale upon first inspection.
In order to simplify the insurance matter and upon the Seller’s specific recommendation, I chose Megson-Fitzpatrick, the current Insurer, even though you’re Office is in Victoria….thus the transaction was to be conducted through a triangulation of Vancouver, Kamloops and Victoria locations.
Potentially disastrous ! It wasn’t –Rather, Jessica and Keith worked jointly ( depending upon who was available to answer my phone calls ) to analyze my situation, provide advice as well as options, then prepare and establish the new Policy, so that I would be thoroughly protected on my way back home to
Because the Sale and Transfer of Ownership would occur in Kamloops, both Jessica and Keith also provided guidance on how I would be dealing with an ICBC representative in that town.
With that advice, the entire transaction occurred smoothly and successfully.
My Appreciation and Commendation again goes out to Jessica & Keith. My Congratulations conveys to you, Christopher, and to M-F for service and management well conducted.
Megson FitzPatrick has been our Societies go to insurance agency. We have a fleet of antique military vehicles and your staff has always been helpful in suggesting ideas and cost savings. We do all of our personal vehicle insurance through Megson FitzPatrick, and will continue to do so.
I was referred to your insurance brokerage by a friend who spoke highly of your services after he suffered a serious issue with his boat. since I needed new insurance, I followed up and contacted Ms. Samantha Slack to see if she could help me with a marine insurance policy. Her responses from my initial email request forward were very prompt and focused. She provided me with two viable options in just a few days. This was a very positive experience which I rate as excellent
Happy new year! Thank you so much. I just paid it online, so we’re all set.
I really appreciate your help, and I just wanted to let you know, I tried dealing with my usual insurance company that we had our condo insurance with, and they were nowhere near as easy to work with as you. You were so much more helpful, and we very happily made the jump from their services to yours.
We are often too quick to criticize when things go wrong and too slow to show appreciation when things go right. I have been insuring my (now five) motorcycles with your company for 10 years. Furthermore, I have been purchasing insurance for various machines, including commercial aircraft, for more than 50 years. I know insurance companies. Since my relationship with Megson FitzPatrick began my agent has been Chris Murphy. I cannot speak too highly of the friendly, competent, timely service Chris has given me over the years. While discounts are always appreciated, that is not why I moved from Beacon to your company. Christopher Murphy is the reason I am with your company.
I actually live on the mainland but often visit the island. Any time I can I try and insure my vehicle here instead of anywhere else. I have had great experiences with the employees here. Vicky Bui helped me this time when I went in. She was polite, knowledgeable, and answered all my questions. Helped me to insure my vehicle as fast and pain-free as possible. I highly recommend getting your insurance here.
I’ve had a couple bikes insured with Megson FitzPatrick and each time I’ve had to call their support centre; either for an insurance transfer, or simply to purchase or end insurance, they have been quick, simple and very friendly. Their staff know what they are talking about and they offer solid motorcycle insurance for the year at very good/competitive rates.
I came into the office on Shelbourne today and Shelly Parussini helped me get tenant insurance. I found her to be professional, efficient, warm and supportive. She went the extra mile and I so appreciate her kindness during this difficult time in my life.
Fast and efficient. Good service in the time of COVID.
Very quick an agent was able to answer all questions we had!
Awesome! I could renew my insurance over the phone. Mailed my tags within days. Very happy with the service.
I wanted to write in and say what a wonderful appointment I had today in your office. The staff were very helpful. I was one of those long and arduous “transfer from out of province “ appointments lol. My insurance person Michael? Was very kind and patient. I’m ever so glad I chose you as my insurance folks and will highly recommend you to everyone- I do a lot of talking! Thank- you for making what would normally be a chore into a very lovely experience!
Made an appointment for auto-renewal. Promptly at time of appointment, agent met me at front door and all covid-19 policies were in place. The service to renew this insurance was quick and professional. Always great service at this location.
I am writing to express my appreciation for the service that I received on July 14. My requirement was to change some details of the coverage on one of my vehicles. The first issue that I found which warrants a compliment was the efficiency of the process for making the change. It was extraordinarily fast and easy. The second issue was the service provided by Jackie Brown. She provided excellent help in a very cordial manner and this also merits recognition. So, thank you for the service.
Megson FitzPatrick at Shelbourne is the best Insurance agent around. Super friendly and helpful staff. The car ownership transfer is done in no time. I tried ICBC at Hillside the day before but they have too many reasons not to provide a service (like “appointment only” and they were very close to store closing so they said that “will not have enough time for that”.
I am writing to express my appreciation for the excellent customer service I received when renewing my auto insurance this past Monday evening from Katarina Reid. She was so very helpful and her calm, patient, professional manner was a great help to me when my frustration of dealing with another company had reached its limit. Katarina is a true asset to your firm, and I won’t hesitate in recommending Megson Fitzpatrick in future.
Very helpful through a challenging vehicle transfer.
My go-to office for all insurance needs. Courteous, helpful staff are always ready and have innovated a safe, practical approach for customer service during these pandemic times.
I had a really good experience. They were nice, clear, and fast.
Auto Insurance renewal. In and out in about 15 minutes.
Great staff, very fast and helpful.
Simple. Great price for motorcycle insurance, including multi-bike discount.
Excellent Service! No waiting! Strict COVID-19 protocol enforced, Great Walker/ Wheelchair access. Friendly super helpful and efficient Staff Members who really Smile! They are soo fast, and our Business only took 20 mins! The BEST Insurance service, compared to Coast capital, who always have lineups, eat at their desks, and seem miserable. We Love Megan Fitzpatrick!
Excellent service would recommend to anyone.
Dear sir/madam, I was recently at your office needing auto insurance updating and I had the pleasure of being served by Mr. Michael Chaves. Having recently lost my Spouse of several years to a traumatic massive stroke, I was needing name changes on our automobile ownership, a new policy solely under my name and new licence plates. As you may imagine, this was a very difficult appointment for me. Unfortunately, I brought some of the wrong papers for the work to be done. Mr. Chaves didn’t give up on me, and found the papers I needed in my file, processed them and made everything right for me. I am also very hard of hearing and again Mr. Chaves was patient even to the point of writing the needed requests for me to understand the process if necessary. He also offered to help me change my licence plates. With such superlative service, I wanted to give Mr Chaves a cash token of my appreciation. He graciously declined and kindly told me he felt honoured to have helped me and expressed sorrow for my loss. Mr. Chaves is a wonderful credit to your company. Having our house insurance with your company as well, there has only been the best service I can imagine from your employees over the years. But this was a huge leap and I cannot express enough how Mr. Chaves’ kindness, thoroughness and patience saved me the grief of having to search for, and revisit this painful appointment. I want you to know what an exemplary employee you are so fortunate to have. Mr. Chaves is a wonderful addition to the Megson FitzPatrick family. Thank you for your time.
Jackie Brown went above and beyond with my recent provincial import of a 1981 Toyota Land Cruiser. She was friendly, personable, and professional. Jackie explained the process very well and was patient and helpful with me through the course of my 4 phone calls regarding the transaction. My visit to your uptown location was great Jackie and staff were very friendly, prompt and attentive.
I wanted to take the time (which is precious as I am extremely busy) to say I was so impressed by the service I received from my new account manager Martha Mena in your Victoria Branch – for our home insurance renewal. While I have been with MF for some time and receive decent service in the past, Martha was exceptional. As someone who manages staff, I found she has that customer service quality that is hard to find today. Martha is engaged, informative, professional and very personable. I am writing this as I hope this would go into her HR file and be part of any future performance review or performance feedback as this type of service needs to be recognized. I also compliment anyone who is managing Martha or did the hire as they saw success and acted on it…congrats as I know from experience that isn’t always easy to do. I called with a concern and left as a more committed customer to MF because I could tell we are in good hands.
My last stop after a long day of work today was to pick up my new license plates at Megson Fitzpatrick. It ended up being the highlight of my day. Natalie Willock was kind and professional when she greeted me. She was so organized and made the logistics of covid precautions feel easy breezy. I can’t remember the name of the woman who helped me with my car insurance and I can’t recognize her on any pictures on your website, but she was the absolute best. She was efficient, knowledgeable and went above and beyond. She was thorough in explaining all of the changes to my insurance charges and we celebrated that I was now paying Island prices instead of Vancouver prices! I was excited to pick up my new colourful plates with the little bear on them and she emphatically shared in the excitement with me. We even did a brief Wikipedia search about the Kermode bears. She helped me pick out tools to replace my plates and provided zip-ties when my car’s hardware was too old to reuse. She was honestly just so pleasant and she deserves to be recognized for the wonderful person and employee that she is. If there is any way to find out who she was through my information, here it is: I was insuring a 2002 Nissan Pathfinder with new plates PF787A and I had my walk-in appointment at 3:30 on April 14, 2021. I think her desk was the second one in to the left. If that helps identify the perfect unicorn that provided my insurance, please give her a big thumbs up. Who knew a quick stopover to pick up car insurance could be so fun? Your team is respectful, professional, and an absolute delight. Your hiring manager probably also deserves a pat on the back for hiring such great people.
Sincere thanks for all of your assistance today. We are looking forward to working with you. Anna, sincere thanks to you for the amazing service you have provided to us over the past 3 1/2 years. We feel so fortunate that you answered the telephone when we called inquiring about vehicle insurance. You have provided outstanding and professional service during every encounter. You were very proactive with us as policies were coming up for renewal. Also, you remembered our home insurance was coming up for renewal and introduced us to Melissa. Like you, Melissa was extremely well prepared leading to the two of you taking over our home insurance. Have a wonderful evening and a fantastic week everyone!
Fantastic as always. Never had an unprofessional or unfriendly experience.
Always great to deal with. Thanks for your assistance.
Very pleased with the service provided. The online appointment was easy to make. The reception at your office was prompt and courteous. The renewal was handled efficiently.
It was very, very pleasant and there was a young gentleman named Michael who look after me He was very pleasant and very methodical and checked all his calculations over. I have been dealing with Megson FitzPatrick for many yrs and have always had a pleasant experience. Sorry I don’t know Michaels last name but I did ask him for his business card and he said he hasn’t got business cards as yet but that will happen. He is fairly new there I gather. Michael is a keeper in my books for Megson FitzPatrick Insurance. Thanks a bunch Again, I would have Michael in my employ anytime if I were employing.
I came in today with what I thought was a simple insurance purchase, however, it quickly turned into quite the ordeal because I came from out of province and have a leased vehicle. The lady that helped me, I believe her name was Vicki, she was sitting at the first desk on the left. She was absolutely wonderful and handled everything smoothly. She explained everything very well and made sure she had covered all the steps thoroughly. Just wanted to let someone know, it was a very long but pleasant experience thanks to her.
Super pleased with the coverage and the service Megson FitzPatrick has offered over the last little while. I will definitely recommend you to anyone looking for Insurance! 🙂
You guys are great, you are very well organized and geographically easy to get to at Uptown. We have 5 vehicles in our family and all are insured thru you. I was particularly happy that today you had a replacement veteran plate in stock to replace the one I had stolen recently. Fantastic job you do.
Hello! I had to come in to the Uptown office on Monday to cancel my insurance and was very happy how quick and courteous the staff was! They’ve always been very nice and pleasant to deal with. Thanks as always! I definitely plan on choosing you guys again when I get another vehicle. Thanks.
Great, Quick, friendly, clear service.
I just returned from your Victoria Uptown location and as every time I’ve been there the customer service has been excellent! Everyone I’ve been dealing with at MF during repeat visits over the past year has been extremely friendly and knowledgeable. I also appreciate the office’s Covid policies in place to keep everyone safe. I’m lucky to have such as friendly and competent insurance broker in my neighbourhood.
Apologies as this is slow…but believe when you are treated with exceptional charm, wit, good humour and professionalism you should share! I had the good fortune of renewing my car insurance with the vivacious Ms. Jackie Brown at the Uptown locale… this woman is exceptional and so kind and easy-going…actually made the process of insurance renewal at Christmas, during a pandemic a breeze…. thank you Ms. Jackie… you are an asset to the business and keep on keeping on…
WOW! Blown Away! HUGE S/O to Jackie Brown/Auto Acct. Mngr at @MFIVictoria. Her prompt cheerful helpful efficient service is rare and #MadeMyDay and made me #CustomerForLife of this #YYJ company. Highly recommend to anyone in #Victoria. Thx Jackie <3
Hi There, my wife and I were in for an auto-renewal appointment at 0915am this morning (Dec 15). We were at the Shelbourne St office. The customer service agent that dealt with us was very nice, professional, knowledgeable and patient. It was very easy to interact with her. Please pass on our thanks to her and let her supervisor know how lovely our experience was with her today. In this day and age, it seems like the only time people contact a business is when they are dissatisfied. We were very satisfied with the customer service today and your employee deserves thanks and appreciation for that.
We were very pleased with the agent who processed the Vehicle registration renewal. Likewise, my husband and I were impressed with Shelley Parussini who explained the details of our B.C. home insurance in a clear and easy-to-understand fashion.
I was in this morning re autoplan renewal. Jacklyn helped me out today and the last couple of times I have come in. Jacklyn is very knowledgeable and pleasant. I used to be all BCAA however am now transitioning to MF. One of the main reasons for this is your customer service. Fantastic! I will also add that your online appointment system is very convenient.
I had a very nice, and very unusual experience last week. Out of the blue, someone named Samantha Rankin who works for Megson Fitzpatrick reached out and asked if I knew that my good credit score could help me get lower rates on my insurance. I. WAS. FLOORED. My most common experience in getting better rates normally involves threatening my mobile provider/internet provider that I’m moving my business. Then they miraculously find me a better rate with more features. It always comes down to thinly veiled threats. I can’t tell you how nice it was to have Ms. Rankin tell me I could get lower rates, and that she would handle all the work. This is how great brands are built. Give her a raise!
I had two appointments with your staff. One was over the phone to renew our vehicle insurance and the other was in-person to transfer a travel trailer into our name and insure it. Both staff were absolutely lovely to deal with, the length of the appointments were great and any questions or concerns I had were answered. Very good experience!!
Just wanted to follow up with my appointment today at the Uptown Centre in Victoria BC. Was greeted at the door by [Vicky] very pleasantly. Proceeded on to my appointment with [Hayley] to transfer a vehicle into my name and buy insurance. Just wanted to pass on the excellent service I received and how easy and pleasant the process was. Would highly recommend Haley and your company to my friends.
I was just at your office this afternoon and received excellent service! Katrina was amazing and very patient with me. I had two vehicles that I needed to register and insure in B.C from Alberta. She explained very clearly all the difference between provinces and helped me in deciding what to insure! I will without question recommended Megson Fitzpatrick as all staff seem extremely helpful and professional! It is very difficult these days with covid to been seen without an appointment but Sheila manage to accommodate me and explain what documentation I needed when I came back to the office. Thanks to both ladies as moving is stressful enough!
The lovely person who helped me was named Jaclyn at the Shelbourne branch. She was an absolute pleasure to work with! 10/10
Awesome service and the agent was very knowledgeable and helpful.You got me as a customer. Thank you!
I received excellent service when I went to my appointment. Your representative was awesome and informative.
I wanted to pass along how wonderful your staff is. From the receptionist to Jackie Brown, who renewed my insurance, your staff was helpful, friendly and I felt very safe. Jackie was particularly friendly and lovely to deal with. Thanks for wonderful service in such odd times. Being able to make an appointment was so helpful as well.
We were very impressed with your service. The agent was delightful, knowledgeable and very sweet. Thank you.
I’m sorry that I missed the young ladies name who I met with but her service was EXCELLENT! Fast, friendly, efficient with a great sense of humour (much needed in these times). I also felt completely safe. Thanks so much for your help in renewing my car insurance. I highly recommend Megson to all my friends and family……always. Keep up the great work!
Yesterday [June 18, 2020], I had the delightful experience to (remotely) renew my auto insurance with Hayley Zedel. She was most helpful in her kind and knowledgeable manner. Your company is very fortunate to have her as a very thoughtful and pleasant staff member.
Very helpful. They take the time to answer all your questions. Highly recommended. You might be on hold for a while during this COVID situation, but they’re very helpful once they answer your call. Call to see if they’re able to register new plates, they have been working towards being able to do this for you.
I am new to BC, with that being said the insurance is so different here. They went through everything in detail with me and made me feel a little more comfortable understanding insurance here. Thank you for that.
Have dealt with MFI on several occasions recently and have been very satisfied with my experience. Kim Tucson has been extremely helpful and professional. Many thanks.
We’ve dealt with Megson FitzPatrick for home insurance for several years. We’ve always experienced prompt service and the agents are very knowledgeable and helpful.
I would like to take this time to acknowledge Sheila Ciesek for her excellent customer service. She was very friendly, polite and professional and helped me insure 4 trucks. I called into today to insure a trailer and was lucky enough to get her again. She is the reason we will do our truck and trailer insurance with your company. As an office manager for a small company, I appreciate people like her with her skill set. She is an asset to your company and I hope we still have the option of doing the insuring over the phone.
The multiple Megson Fitzpatrick locations across the city make obtaining insurance easy. But my preference for the company goes beyond that simple convenience. Time again, my experience with the staff is top-notch. They are knowledgeable, kind, and genuinely enjoy a good conversation. Everytime I enter and exit a Megson Fitzpatrick store, it’s all smiles.
I am writing to give credit to Cassie at the Uptown location for her tremendous and efficient service last month. I was on a tight timeline, and needed to re-insure two vehicles, and change a policy significantly, and was feeling stressed. Cassie quickly took care of everything, answered all of my questions, and was courteous as all get out. Thanks, Cassie!