Condo insurance
Coverage
It is not just a place you live; it is your home. Your condo is one of the biggest investments you will make so as condo owners, it is important to protect it with condo insurance that provides the type of coverages that suits your lifestyle. From coverage for your condo and personal belongings to personal liability protection, we have expansive solutions that will give you peace of mind. If something unexpected occurs and repairs are needed, or if you cannot live in your home following insured damages, you can be sure we will have your back.
Programs & add-ons
Enhance your condo insurance coverage and enjoy the many benefits of our home insurance programs. To learn more about endorsements, ask your insurance representative or get a quote.2
Good home benefits
Our most competitive home insurance pricing, which includes 1 claim forgiven over a 5-year period.
Good Record Protection
Enjoy forgiveness for one claim every 5 years, with no premium increase as a result of this claim upon renewal
Additional water damage protections
Water is the main threat to your home. Water damage endorsements provide coverage if water enters your home: sewer back-up, water and sewer lines, overland water and ground water.
Umbrella - Personal liability insurance
For those who need greater civil liability protection, this add-on is an extension to your base insurance policy and provides coverage for your personal liability an auto civil liability in Canada and the U.S.A.
SOS identityTM
Get access to a 24-hour line to get advice from experts and personalized legal support if you need advice about identity theft, landlord-tenant disputes, family law, employment law and cyber security breaches. It also provides coverage for expenses incurred if you are victim of a cyber-attack and cyber extortion.
Discover more coverage
FAQ
Your condo insurance premium is calculated based on a variety of factors. These include:
- The location of your condo
- The age the condition of your condo
- The number of years you have lived in that condo
- How your home is heated
- Proximity to firefighting support
- If you work at home
- The amount required to cover your belongings
- The number of claims you have made in the past.
If you have any more questions or concerns, reach out to your insurance representative to learn more about your insurance premium, or get a competitive insurance quote online today.
At Intact Insurance, water damage now accounts for a significant amount of claims in the home insurance claims we receive. A typical condo insurance does not cover flooding from a body of water, but we offer water damage protection endorsements that cover accidental sewer backup and overflow of a body of water if you are eligible. Water damages caused by the malfunctioning or damages by sanitary installations in your building would be covered under your insurance contract. Talk to your insurance representative to add additional coverage for water damages to your policy and to see if you are eligible.
A condo insurance policy for occupying co-owners covers:
- Condominium protections which include
- Improvements and betterments to your unit and your common portion for exclusive use
- Loss assessment
- Additional living expenses
- Personal property
- Additional living expenses and fair rental value
- Personal liability
Everyone’s needs are different. If you are unsure of the condo insurance coverage that you need, do not hesitate to reach out to your insurance representative or to call for a quote.
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Your condo is your castle. Find the best coverage for your needs by contacting an insurance representative, by calling us, or by getting an insurance quote online. Getting a condo insurance quote is the first step to protecting your most important asset.