As a condo or townhome owner your strata insures the building, but you also need to be personally insured for your belongings, any permanent upgrades and for any claims arising from injury or property damage.

Your landlord's insurance does not cover you or your belongings. B&W Insurance will help you ascertain the value of your contents and select a policy to meet your needs in the event of a major loss.

Homes with a replacement cost of over $1,00,000 are considered “high value”. Policies often carry higher limits and cover high value goods such as fine art.