As a condo owner, your insurance needs are unique. While the building’s insurance policy covers the common areas and the physical structure, it doesn’t protect you and your unit against claims for personal liability or to your personal property.
As a condo owner, your insurance needs are unique. While the building’s insurance policy covers the common areas and the physical structure, it doesn’t protect you and your unit against claims for personal liability or to your personal property.
Standard Coverage for Your Condo
Condo Improvements & Betterments: Have you put in hardwood floors, upgraded light fixtures, or custom blinds? Your condo policy provides coverage for any upgrades made to your unit.
Condo Improvements & Betterments: Have you put in hardwood floors, upgraded light fixtures, or custom blinds? Your condo policy provides coverage for any upgrades made to your unit.
Protection of Personal Property: Your policy will provide coverage to replace your personal items and belongings (i.e. furniture, clothes) in case they are lost, damaged, or stolen.
Protection of Personal Property: Your policy will provide coverage to replace your personal items and belongings (i.e. furniture, clothes) in case they are lost, damaged, or stolen.
Voluntary Medical Expense: Covers reasonable medical expenses for people hurt on your property. This coverage is special as it can provide coverage even though you may not be legally liable.
Personal Property: Covers the contents of your house, including furniture, clothing, and appliances, if they are stolen, damaged, or destroyed.
Voluntary Property Damage: Covers property damage that you are responsible for others’ property, even though you may not be legally liable.
Voluntary Property Damage: Covers property damage that you are responsible for others’ property, even though you may not be legally liable.
Loss of Use: Pays for additional living expenses if your condo is too damaged to live in during repairs.
Loss of Use: Pays for additional living expenses if your condo is too damaged to live in during repairs.
Ways You can Save on Your Insurance:
We offer multiple discounts and endorsements that make our otherwise competitive home insurance rates even more affordable.
- Mortgage free discount
- Claims free discount
- Non-smokers discount
- Combined policy discount
- Monitored fire & burglary alarm discount
- New home discount
Extra coverages you can add on:
Disappearing Deductible
You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.
Sewer Back-up Protection
An important coverage option protecting against sewer back-up water damage. Water damage is currently the claim you’re most likely to encounter as a homeowner, so making sure you have coverage to protect against sewer back-up loss is important.
Overland Water Protection
An important coverage protecting against fresh-water flood. This coverage can be added to policies where sewer-backup coverage is already in place.
Personal Property Claims Protector
Keep your claims-free discount even after your first insurance claim when you have this endorsement already added to your policy. This is part of the Worry-free Bundle.
Identity Theft Insurance
Nobody is prepared for their identity to be stolen, but this endorsement can help you get back to normal as quickly as possible. This endorsement will enhance your credit and debit card coverage, provide lost income protection, and even cover some legal expenses tied to your stolen identity.
Inflation Guard
Keeping your limits of insurance adjusted by inflation. This endorsement automatically tailors your home insurance limits at renewal to keep pace with the rising costs of materials and labour to rebuild your home.
Scheduled Personal Property
Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, business tools, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.
Service Line Endorsement*
This endorsement fills a coverage gap that covers the cost to repair or replace the service lines (i.e. water line, electrical/telecom line, sewer/septic line) when they fail.
Worry Free Bundle
Get the best value from your home insurance by adding this endorsement which combines the Disappearing Deductible and Personal Property Claims Protector.
Looking to Get a Quote on Your Property?
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Looking to Get a Quote on Your Property?
Get a property insurance quote in minutes.
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