Condominium Insurance

Cover what your condo corporation's policy doesn't — your unit, your belongings, your liability.

Your condo corporation insures the building and common areas, but not what's inside your unit or your personal liability. Condo insurance (a unit owner's policy) fills those gaps — covering your improvements, your belongings, and the special assessments a corporation can pass on to owners.

We help Ontario condo owners understand exactly where the corporation's coverage ends and theirs begins, so there are no surprises after a claim.

What's covered

Unit improvements and betterments (flooring, cabinets, fixtures)
Personal belongings against theft, fire, and water damage
Personal liability and legal defence
Loss-assessment coverage for condo corporation shortfalls
Additional living expenses if your unit is uninhabitable

Good to know

Frequently asked questions

Don't my condo fees already cover insurance?: Your fees cover the corporation's master policy for the building and common areas — not your unit's interior, your contents, or your liability. You need your own policy for those.
What is loss-assessment coverage?: If the corporation's policy falls short on a major claim, owners can be charged a special assessment. Loss-assessment coverage helps pay your share.
What if I rent out my condo?: You'd want a rental/landlord policy rather than a standard unit owner's policy. We'll set up the right one for your situation.

Insurer partners

Insurers we compare for condominium insurance

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Frequently asked questions

Don't my condo fees already cover insurance?

Your fees cover the corporation's master policy for the building and common areas — not your unit's interior, your contents, or your liability. You need your own policy for those.

What is loss-assessment coverage?

If the corporation's policy falls short on a major claim, owners can be charged a special assessment. Loss-assessment coverage helps pay your share.

What if I rent out my condo?

You'd want a rental/landlord policy rather than a standard unit owner's policy. We'll set up the right one for your situation.