InsureBCUW

The Select Program offers comprehensive insurance solutions tailored for homeowners, condo owners, landlords, and tenants.

With extensive coverage options and various discounts, the program protects your property and personal belongings against unforeseen events. Whether you're insuring your primary residence, a condo, or a rental property, the Select Program provides peace of mind with robust protections such as replacement cost coverage, additional living expenses, and specialized coverages like identity fraud protection.

With the backing of InsureBC ‘s trusted underwriting and claims services, this program is designed to meet your client’s unique insurance needs while offering the flexibility and support they deserve.

Separate Coverage Benefits:

Homeowner Insurance Coverage:
- Comprehensive Protection: This policy includes all-risk coverage subject to limitations and exclusions, and we can tailor the policy to your client’s needs.
- Guaranteed Replacement Cost: Coverage for rebuilding your home to its original condition, even if the cost exceeds the policy limit.
- Personal Property Protection: Replacement cost coverage for personal belongings, including those temporarily away from home.
- Additional Living Expenses: Coverage for temporary housing if your home becomes uninhabitable due to a covered event.
- Specific Limits of Insurance: Coverage includes high-value items, such as jewelry, collectibles, and personal tools, with specified limits.
- Additional Coverage Options: Includes personal umbrella policies, overland water coverage, and equipment breakdown coverage.
- Discounts: Enjoy various discounts, including age-based, claims-free, and loyalty discounts, as well as discounts for private protection such as fire and burglary alarms, sprinkler systems, automatic water shut-off devices, and surveillance cameras.
Personal Insurance for Condo Owners:
- Condo-Specific Coverage: Protection for the interior of your condo, personal belongings, and unit improvements.
- Loss Assessment Coverage: Offers coverage for shared losses in common areas up to 250% of the property limit.
- Unit Betterments & Improvements: Coverage for any improvements made to your condo unit.
- Additional Living Expenses: Coverage includes temporary housing costs if your condo becomes uninhabitable.
- Discounts: Access discounts similar to those available for homeowners, tailored for condo living.
Rental Insurance for Owners and Landlords:
- Building and Contents Coverage: Protects the structure of the rental property and landlord-owned contents.
- Loss of Rental Income: Coverage if the rental property becomes uninhabitable due to a covered