black-house-sketchbulding icon sketchcottage pencil sketchGet Your Tailored Condo Insurance Quote

Choose your province:
Choose your province:
Complete the form to get an instant quote and start saving today.
Pay as little as $15/month for home insurance.

In order to provide you with the best Home Insurance offers and rates, we work with a trusted partner, Square One Insurance that is exclusively focused on Home insurance.

We offer you home insurance across different locations in Ontario including Toronto, Mississauga, Brampton, Ottawa (including Gatineau), Hamilton, Burlington, Kitchener, Waterloo, London, St. Catharines, Oshawa, Whitby, Windsor, Barrie, Sudbury, Kingston and other locations.

We offer you home insurance across different locations in British Columbia including Vancouver, Victoria, Kelowna, Abbotsford, Kamloops, Nanaimo, Chilliwack, Prince George, Vernon, Courtenay and other locations.

We offer you home insurance across different locations in Saskatchewan including Saskatoon, Regina, Prince Albert, Moose Jaw, Yorkton, Swift Current, North Battleford, Estevan, Weyburn and other locations.

preload_text Initiating your quote across these companies…

Ready to continue with a quote across these insurers.

preload_text Submitting your quote…

Something went wrong. Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI

preload_text Initiating your quote
across these companies…

Ready to continue with a
quote across these insurers.

preload_text Submitting your quote…

Something went wrong.
Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI
Choose how you want to get a quote

Option 1: Request a quote

Needs 1 min of your time

Insurance expert will contact you
to provide with a quote

Nearly 10 insurers compared

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Option 1: Request a quote

Needs 1 min of your time

Expert'll contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Complete the form to get a non-instant quote from 8 insurers
YesNo
YesNo

After submitting your quote an experienced and licensed insurance professional will contact you to provide an insurance quote or discuss your home insurance needs.

In order to provide you with the best home insurance quotes in this province, we work with a very experienced, licensed partner, SurexDirect.

We offer you home insurance across different locations in Alberta including Calgary, Edmonton, Red Deer, Lethbridge, St. Alberta, Medicine Hat, Grand Prairie, Airdrie and other locations.

preload_text Initiating your quote across these companies…

Ready to continue with a quote across these insurers.

preload_text Submitting your quote…

Something went wrong. Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI

preload_text Initiating your quote
across these companies…

Ready to continue with a
quote across these insurers.

preload_text Submitting your quote…

Something went wrong.
Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI
Choose how you want to get a quote

Option 1: Request a quote

Needs 1 min of your time

Insurance expert will contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Option 1: Request a quote

Needs 1 min of your time

Expert'll contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Complete the form to get a non-instant quote from 8 insurers
YesNo
YesNo

After submitting your quote an experienced and licensed insurance professional will contact you to provide an insurance quote or discuss your home insurance needs.

In order to provide you with the best home insurance quotes in this province, we work with a very experienced, licensed partner, SurexDirect.

We offer you home insurance across different locations in British Columbia including Vancouver (with Surrey, Burnaby, Richmond, Coquitlam), Victoria, Kelowna, Abbotsford. Kamloops, Nanaimo and other locations.

preload_text Initiating your quote across these companies…

Ready to continue with a quote across these insurers.

preload_text Submitting your quote…

Something went wrong. Please, try again.

avivaeconomicalgoremutualpeace_hillsRSAtravelerswawanesa

preload_text Initiating your quote
across these companies…

Ready to continue with a
quote across these insurers.

preload_text Submitting your quote…

Something went wrong.
Please, try again.

avivaeconomicalgoremutualpeace_hillsRSAtravelerswawanesa
Choose how you want to get a quote

Option 1: Request a quote

Needs 1 min of your time

Insurance expert will contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Option 1: Request a quote

Needs 1 min of your time

Expert'll contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Complete the form to get a non-instant quote from 7 insurers
YesNo
YesNo

After submitting your quote an experienced and licensed insurance professional will contact you to provide an insurance quote or discuss your home insurance needs.

In order to provide you with the best home insurance quotes in this province, we work with a very experienced, licensed partner, SurexDirect.

We offer you home insurance across different locations in Northwest Territories including Yellowknife, Hay River, Inuvik and other locations.

preload_text Initiating your quote across these companies…

Ready to continue with a quote across these insurers.

preload_text Submitting your quote…

Something went wrong. Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI

preload_text Initiating your quote
across these companies…

Ready to continue with a
quote across these insurers.

preload_text Submitting your quote…

Something went wrong.
Please, try again.

avivaeconomicalgoremutualRSAtravelerswawanesapeace_hillsSGI
Choose how you want to get a quote

Option 1: Request a quote

Needs 1 min of your time

Insurance expert will contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Option 1: Request a quote

Needs 1 min of your time

Expert'll contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Complete the form to get a non-instant quote from 8 insurers
YesNo
YesNo

After submitting your quote an experienced and licensed insurance professional will contact you to provide an insurance quote or discuss your home insurance needs.

In order to provide you with the best home insurance quotes in this province, we work with a very experienced, licensed partner, SurexDirect.

We offer you home insurance across different locations in Manitoba including Winnipeg, Brandon, Steinbach, Portage la Prairie, Thompson, Winkler and other locations.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

preload_text Initiating your quote across these companies…

Ready to continue with a quote across these insurers.

preload_text Submitting your quote…

Something went wrong. Please, try again.

avivaeconomicalgoremutualpeace_hillsRSAtravelerswawanesa

preload_text Initiating your quote
across these companies…

Ready to continue with a
quote across these insurers.

preload_text Submitting your quote…

Something went wrong.
Please, try again.

avivaeconomicalgoremutualpeace_hillsRSAtravelerswawanesa
Choose how you want to get a quote

Option 1: Request a quote

Needs 1 min of your time

Insurance expert will contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Option 1: Request a quote

Needs 1 min of your time

Expert'll contact you
to provide with a quote

Nearly 10 insurers compared

Get A Quote Now

Option 2: Prefer to call us?

We are just a phone call away

Available 9am to 5pm MST

Toll-free number
transparent

+1-855-378-3082

Complete the form to get a non-instant quote from 7 insurers
YesNo
YesNo

After submitting your quote an experienced and licensed insurance professional will contact you to provide an insurance quote or discuss your home insurance needs.

In order to provide you with the best home insurance quotes in this province, we work with a very experienced, licensed partner, SurexDirect.

We offer you home insurance across different locations in Yukon including Whitehorse, Dawson, Watson Lake, Haines Junction and other locations.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

Complete the form to get an instant quote

Unfortunately, we are not able to offer you an insurance quote for this location. If you would like to be notified when we expand into this location, please enter your contact information below.

Want to learn more about condo insurance? Explore our condo insurance ePrimer below.

What do you need to know about condo insurance?

the-ice-condosCondo insurance is not as straightforward as home insurance, because it involves more than one policy: personal condo insurance, commercial condo insurance and possibly, tenant condo insurance.

  1. Personal condo insurance – Like home insurance, condo insurance covers most of your contents, upgrades, and personal liability, as well as theft from your unit and storage locker.
  2. Commercial condo insurance – An insurance policy owned by a condo corporation. This policy covers the building envelope and common areas.
  3. Condo tenant insurance – An insurance policy that you want your tenant to have if you rent out your unit. Or, if, you are a renter, an insurance policy that protects your property while you live in the rental unit.

What does condo insurance cover?

Condo insurance protects against seven typical risks:pier-27-condos

  1. Third party liability: Forget to turn off the sink or overflow the bathtub? Someone slips on your freshly waxed floors and breaks a leg? You are liable for these types of accidents. Third party liability protects you from the cost of paying out of pocket e.g. legal fees for these common types of accidents.
  2. Belongings / Contents: Your personal property costs money to replace. Think about your clothing, laptop, bike, musical instruments – contents insurance provides funds to replace lost, damaged or stolen contents.
  3. Theft: While most condos are quite secure, the first floor is typically easily accessed through large windows or patio doors, and your locker could be broken into in the storage area. Theft coverage helps you replace stolen items.
  4. Upgrades: In addition to being fully responsible for any upgrades you put into your condo (hardwood floors, granite countertops, etc.), some condo corporations make you responsible for flooring and other upgrades they installed before you moved in.
  5. Additional living expenses: A fire or natural disaster could render your unit uninhabitable. You’ll need money for a modest place to live as your condo complex is restored. Additional living expense coverage provides money for safe, basic shelter. Don’t go without this important coverage.
  6. Special insurance assessments: Condo corporations are well within their rights to charge a special assessment for large and/or unexpected repairs. For example, if the roof was severely damaged in a bad hailstorm, all unit owners may have to chip in. Special assessments could cost thousands of dollars and are not discharged if you owe them but sell the property. This coverage provides funds in case you get surprised by a hefty special assessment fee.
  7. Your locker: Your locker is considered part of your condo, so if your stored items are damaged or stolen, you can make a claim under your contents insurance.

What condo insurance limits do you need?

one-bloorHere is a brief overview of insurance limits for each of the risks described above:

  1. Third party liability: This typically starts at $500,000, but average coverage can be as high as $1,000,000, with $2,000,000 being on the more extensive side. Think about flooding a few other condos as an example. Your liability costs can be quite high.
  2. Belongings / Contents: If you do not have too many personal belongings, $20,000 can be enough. However, in order to be on the more secure side, consider getting a $50,000 coverage limit, which is average, or up to $100,000 if you have a number of expensive items.
  3. Theft: Since your belongings are the items that could be stolen, all limits from the previous paragraph apply.
  4. Upgrades: Should you have no upgrades, you might decide against having any limits here, but some upgrades would require an average of $10,000. Higher end upgrades can go as high as $100,000 or even higher.
  5. Additional living expenses: If you are fine with modest alternate accommodations in case your condo is not livable, $24,000 is fine as minimal coverage. In most cases, though, you should look into $36,000 (average) or even higher – up to $54,000. Restoring damaged or destroyed property can take a long time.
  6. Special insurance assessments: This amount can vary between $2,500 (minimum) to $10,000 on average, or $25,000 on the more advanced side.
  7. Your locker: That falls under point #2 as your contents can be stored either in your condo or in the locker. In the latter case, you should make sure that you told your insurer about having a locker.