Condominium unit owner’s insurance

When you live in a condo, your condominium corporation’s insurance covers the building, but you are responsible for getting protection for everything else! Luckily, we have the protection you need.

Call Us for a Quote : 
1-855-264-2525 

Call Us for a Quote : 
1-855-264-2525 

No worries protection

Prestige package

  • All perils coverage for your personal property
  • Generous coverage for all property types
  • Coverage for the property of a member of your family residing in a long-term care facility
  • Coverage up to 250% of your total insured value in the event your condo corporation insurance is insufficient 

 

The basics, at a fair price

Confort package

  • Specified risk coverage for your personal property
  • Coverage up to $20,000 in the event your condo corporation insurance is insufficient 

 

The contents of your unit

Everything in your unit is covered, from the contents of your kitchen cabinets or what’s below the bathroom sink to your winter clothing. The value of all that content is what determines your coverage amount.

Unit improvements

You’ve added new tiles in the bathroom, new cabinets in your kitchen or bricks on your fireplace? You’re covered. Your condominium corporation’s insurance only covers items that are part of the original building; it doesn’t cover any upgrades you have made to your unit. 

For instance, let’s say that when you bought your condo unit, the floor tiles had a value of $3,000. After making improvements, the value has increased to $7,000.  In the event of a loss, you would receive only $3,000 from your condo corporation.  The condominium unit owner’s insurance will cover the difference, i.e. $4,000.

Apportionment

In the event of a loss, if your condo corporation’s commercial insurance is insufficient, the burden of the difference will be apportioned between the different condominium unit owners. Your condo insurance then comes into play to pay your portion.

Your liability

Whether your leaking washing machine causes water damage in your downstairs neighbour’s unit or someone slips on your hardwood floor and gets hurt, liability coverage is there to protect you. If you cause property damage or bodily injury, we will protect you legally or pay out the compensation for which a person may be eligible. 

Did you insure yourself before May 8, 2017 or renewed before July 1st, 2017?

Your insurance policy and options have not changed. The characteristics of your insurance product are always available on our site.

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Additional options

Additional options to suit your needs. Call us today to learn more!

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Advice & Benefits