All in a Row – Insuring Non-Strata Row Houses
By Jo Anne Mitchell CIP
Effective Training & Communications Plus
Jo Anne Mitchell is an insurance trainer based in Oliver, B.C.
1 Technical Credit for Level 1, 2, and 3 General Insurance Agents and Salespersons.
To qualify for CE credit…
– Read the entire article carefully, including all its sections and content labelled ‘Mandatory’.
– Select the ‘Mark Complete’ button at the end of each section to track your progress.
– Successfully challenge the quiz to demonstrate your learning.
– Select the ‘Completion Certificate’ link to save and download your personalized completion certificate.
Please Note: CE credits from this HyperArticleTM can only be used once towards your CE requirements every three licence periods. For further information on CE regulations, please refer to the Insurance Council of BC’s website.
Overview
This HyperArticle™ explores the rise of freehold row-houses in B.C. Learn how row houses offer more ownership autonomy than strata townhouses. Examine the historical context of townhouse ownership, development challenges, and legislative changes. Discover key differences between strata and freehold ownership, including pros and cons. Understand the importance of accurate property-ownership status for insurance coverage. By grasping these distinctions, you can better advise clients on appropriate insurance protection.
When you’re ready, please go to the first content section…
Click here to read this HyperArticle™ in the BC Broker magazine:

Optional References
BC Government, Strata Housing
https://www2.gov.bc.ca/gov/content/housing-tenancy/strata-housing/understanding-stratas/living-in-a-strata
Strata Property Act, Part 5
https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/98043_05#part5
LTSA Resources
https://ltsa.ca/property-owners/how-can-i/find-strata-property-information/
Land Title Act - Entire Act
https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/96250_00
Land Title Act - Party Wall Agreement Sections
https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/96250_15#division_d2e19033
No Such Thing as a ‘Non-Conforming Strata’
https://www.choa.bc.ca/wp-content/uploads/800-243-02092016-Duplex-Woes.pdf
Duplex Disputes
https://touchstonelawgroup.com/kelowna-lawyers/non-conforming-strata-properties/
https://touchstonelawgroup.com/kelowna-lawyers/insurance-strata-duplexes/
https://www.cbc.ca/news/canada/british-columbia/strata-disagreements-tribunal-1.5895747
https://www.bcli.org/bc-supreme-court-orders-restoration-of-common-property-to-state-before-unauthorized-changes-made-appoints-administrator-for-deadlocked-duplex-strata-property/
https://www.canadianunderwriter.ca/insurance/for-insurance-purposes-if-its-not-managed-as-a-strata-its-still-a-strata-tribunal-1004200205/
https://www.jfblaw.ca/blog/partition-of-property-and-party-wall-agreements