Contents insurance on Strata units - do I need one?

Irina Bartnik • March 18, 2019

My name is Irina Bartnik and I am Notary in Cloverdale area. Very often I see clients surprised when I tell them that they need to purchase Contents insurance for the Strata homes. It is common misconception that Strata fees cover all of your expenses of insuring and marinating the home.

Yes, strata fee include the fees for the insurance of the building, but that insurance only covers outside walls of the unit. Nothing inside of your unit is protected. For example, if your bath tub overflows and water damages your floor and unit underneath you, it is your responsibility to cover the damages. If you have contents insurance, insurance office will deal with the repairs of your property and unhappy neighbour next door. Some Stratas has it in their bylaws, for owners to have Content insurance. If you do not have the insurance you may be in a violation of the bylaws for the complex.

If you have any more questions, please call me office and I am happy to discuss the details with you.

Buy First or Sell First? 🤔 Subject-to-Sale Offers Explained for Langley & Fraser Valley

By Andy Schildhorn • July 29, 2025
Buy first or sell first? It’s one of the most common — and complex — questions homeowners face. And if you get it wrong, it could cost you time, money, and peace of mind. In this video, Andy Schildhorn, Realtor with Macdonald Realty, breaks down the strategy behind subject-to-sale offers — a smart tool for navigating tricky market timing in Langley and the Fraser Valley. 🎯 You'll learn: ✅ What a subject-to-sale offer is and how it works ✅ The “first right of refusal” — and how it protects (and pressures) buyers ✅ What the bump clause means for sellers ✅ Hidden traps if you don’t protect your contract ✅ Why selling first gives you more negotiating power ✅ When a subject-to-sale offer does make sense ✅ How to move forward confidently with the right protections 📞 Ready to plan your move with confidence? 📅 Book a time: https://rly.forsale/Chat-with-Andy 📞 Call me directly: 778-835-8957 If you found this video helpful, don’t forget to like, subscribe, and hit the notification bell for more local real estate advice and smart buyer/seller strategies. Thanks for watching — and let’s make your next move your smartest yet.

Sometimes we need to smile.

By Andy Schildhorn • July 28, 2025
“If you made it this far, thanks—I don’t take your time lightly. I put a lot into this for people like you, and I truly appreciate you being here.  LAPS is here.

Live Traffic Views in Langley

By Andy Schildhorn • July 25, 2025
The Township of Langley Traffic Cameras for up to date traffic information. Click here
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