At Irwin & Billings Insurance, we work for you, not an insurance company. We can do this because we are an independent brokerage, not part of a chain and not owned by any insurers. This leaves us free to select the best coverage and prices for you from the multiple companies we choose to represent.
Our goal is, quite simply, to provide you with the best coverage and the best service for the best possible rate. We also help you review your coverage and potential risks to determine the different options available so you can decide which coverage suits you best. If you ever have to make a claim, we'll be here to ensure that it is handled quickly and settled fairly.
Our goal is, quite simply, to provide you with the best coverage and the best service for the best possible rate. We also help you review your coverage and potential risks to determine the different options available so you can decide which coverage suits you best. If you ever have to make a claim, we'll be here to ensure that it is handled quickly and settled fairly.
Services
About Us
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Since 1906, Irwin & Billings has been meeting diverse commercial and personal insurance needs on the North Shore, in the Lower Mainland and throughout British Columbia. We're a family business locally owned and operated by a North Shore resident. At Irwin & Billings, we know our business, we know our clients and we take pride in our freedom to truly offer you independent advice and efficient service.
Our History
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In 1906, the North Shore entered the modern age: streetcars began rolling up & down the streets, electricity and telephone service arrived, and Irwin & Billings opened their original office at the foot of Lonsdale. Founded by W.J. Irwin, Irwin & Billings was the first local office to offer personal and commercial insurance to the fledging community on the Burrard Inlet.
Home Insurance
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Home insurance protects your home and personal property against losses caused by perils such as Fire, Smoke Damage, Wind, Water Damage, Theft/Vandalism and other losses covered under your Home Insurance policy. Home Insurance may be required if you have a mortgage on your home or a line of credit against your home.
Condo Insurance
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In the event of a total loss, your Strata Insurance policy would provide the coverage to rebuild your condo building EXACTLY as it was before, however any betterments or improvements you or any previous owner have done would be covered under your own Condominium policy. Condominium Deductible Assessment: Coverage is provided for you if your strata corporation makes an assessment for part of their deductible.
Rental Insurance
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When you purchase a condominium, you are buying your unit as well as a portion of the structure, amenities and facilities of the whole building or complex. Condominium insurance allows you to protect your own home and also provides coverage for your liability as a joint owner of the common areas.
If you choose to rent it to a third party, your condo insurance policy provides coverage for your contents, additional living expenses, liability, loss assessment, betterments and improvements, contingent premises liability and loss of rental income.Upgrades are covered under better and improvements coverage up to a certain limit.
If you choose to rent it to a third party, your condo insurance policy provides coverage for your contents, additional living expenses, liability, loss assessment, betterments and improvements, contingent premises liability and loss of rental income.Upgrades are covered under better and improvements coverage up to a certain limit.
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