公寓保险免赔额：法团保单与业主保单的分工

BC 省政府：官方原文

The strata corporation's insurance is for common property, common assets, buildings show on the strata plan, and fixtures installed on a strata lot if built or installed by the owner developer as part of the original construction of the strata lot.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

The strata corporation’s property insurance must be for full replacement value.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Liability insurance must be for a minimum of $2 million for the strata corporation.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Insurers will ask for a copy of a recent replacement cost appraisal done within the past two or three years to determine the full replacement value.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

In a bare land strata corporation, the owner of the strata lot is responsible for the insurance, repair, and maintenance of buildings on the strata lot (e.g. a home and garden shed).

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Strata corporations are not required to obtain earthquake insurance as earthquake is not a peril that is listed in the regulation.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

They are typically shown as a percentage of the value of the property, which can range from 10% to 20% of the building’s full replacement value - not the amount of the loss.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

the payment of an insurance deductible in respect of a claim on the strata corporation's insurance is a common expense

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible portion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

A strata owner can be deemed responsible, and required to pay the strata corporation’s insurance deductible, even if not “at fault” or negligent.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

if a dishwasher water hose prematurely breaks and overflows in a strata unit and this causes water damage to common property and other strata lots, the strata owner can be deemed responsible.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

strata corporation approval is not required for a special levy or for an expenditure from the contingency reserve fund to cover an insurance deductible required to be paid by the strata corporation to repair or replace damaged property

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Deductibles for a strata corporation insurance policy can range from $100,000 to $750,000 and higher depending on the number of units and the strata corporation’s claims history.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Strata owner insurance can cover some or all of the cost of the strata insurance deductible.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

When insuring a house, the value of the contents (furniture and other belongings) is estimated as a percentage of the value of the house. However, when insuring a strata unit, the strata owner is asked to provide an estimated dollar value to replace contents.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Improvements (“betterments”) to the strata lot made by the current and previous owners, up to a stated limit.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

additional insurance coverage can help pay for special levies if the amount of the strata corporation’s insurance deductible or the cost of the repairs exceeds the strata corporation’s policy limits.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

inform owners and tenants as soon as feasible of any material change in the strata corporation's insurance coverage, including any increase in an insurance deductible.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

report on the insurance coverage at each annual general meeting

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Insurers or insurance agents must provide 30-days advance notice directly to the strata corporation of their intention to not renew an insurance policy or of any material changes to the strata insurance policy.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

owners are advised to discuss any changes with their insurance broker as soon as possible, and before their annual renewal date

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

When meeting with the insurance broker, it is helpful for the strata owner to have a copy of the strata corporation’s insurance policy, or summary, with them.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

The insurance summary must be included in the Form B: Information Certificate if the Form B is requested by owners or potential purchasers.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Since 2023, Form Bs must now also provide summaries of strata corporation insurance and electrical planning reports.

生效日：未注明 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20

BC 省政府：官方原文

Effective November 1, 2023, strata corporations and sections are required to annually contribute a minimum of 10% of the annual operating fund to the CRF.

生效日：2023-11-01 · 核对日：2026-10-20 · ✅源 · 下次复核：2027-04-20