Your condo corporation insures the building. You insure what's inside your unit, your upgrades, your liability, and the gaps the condo's policy doesn't cover. We'll make sure it's set up properly and priced competitively.
Covers what you're responsible for inside the unit, including upgrades and improvements. What counts as an improvement depends on the condo corporation's standard unit definition, so we'll align coverage to your documents.
Covers your contents like furniture, clothing, electronics, and appliances. Extra coverage may be required for jewellery, high-end bicycles, cameras, musical instruments, or artwork.
Liability covers injuries or damage you might accidentally cause. From a guest slipping in your unit to damage that happens away from home, your liability protection follows you worldwide.
Condo corporations can carry large water deductibles. If a loss originates in your unit, you may be responsible for the deductible depending on bylaws and the circumstances. Loss assessment and the right coverage structure matters.
Some condos insure fixtures and finishes, others don't. Your unit coverage should match what the corporation expects you to insure, especially after upgrades.
Sewer backup and certain water coverages are commonly endorsements. We'll show what's included, what's optional, and what's realistic for your building and area.
Most people undervalue what it would cost to replace their belongings. We'll help you choose limits that make sense, including options for high-value items.
Condo corporations can carry large water deductibles. If a loss originates in your unit, you may be responsible for the deductible depending on bylaws and the circumstances. Loss assessment and the right coverage structure matters.
Some condos insure fixtures and finishes, others don't. Your unit coverage should match what the corporation expects you to insure, especially after upgrades.
Sewer backup and certain water coverages are commonly endorsements. We'll show what's included, what's optional, and what's realistic for your building and area.
Most people undervalue what it would cost to replace their belongings. We'll help you choose limits that make sense, including options for high-value items.
Want a condo policy that actually fits your building?
Send your address and, if you have it, your condo corporation's insurance summary/standard unit definition. If you don't have those, no problem. We'll still quote and help you request the documents if needed.
A condo loss can impact the whole building. Loss assessment helps protect you if costs are passed to owners, including certain deductibles.
If you've upgraded finishes, your unit limit should reflect it. We'll make sure improvements aren't accidentally underinsured.
Many insurers offer better pricing when you bundle condo and auto. We'll shop the combination, not just a single policy.
A condo loss can impact the whole building. Loss assessment helps protect you if costs are passed to owners, including certain deductibles.
If you've upgraded finishes, your unit limit should reflect it. We'll make sure improvements aren't accidentally underinsured.
Many insurers offer better pricing when you bundle condo and auto. We'll shop the combination, not just a single policy.
Not every endorsement fits every condo, but these are the usual difference-makers. We'll recommend the right mix based on your unit, your building, and your budget.
Loss assessment coverage helps protect you when the condo corporation passes costs to unit owners. This can include the building's insurance deductible if a loss originates in your unit, or special assessments for certain common element losses. It's one of the most important coverages for condo owners.
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An insurance broker is a licensed professional who works for you, not an insurance company. In Ontario, brokers are regulated by RIBO and can shop your coverage across multiple insurers to find the right policy at the right price.
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