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 broker or get a quote.1
Enhanced water damage package
Water is the main threat to your home. Enhanced water damage package protects you if water enters your home: sewer back-up and overland water.
Lifestyle advantage
The choice is yours. With no obligation to rebuild, you have the freedom to change your lifestyle. You could rebuild or downsize and keep any leftover money.
Claims advantage
Benefit from a claims-free rating protection for your first loss and a deductible waiver up to $1,000 on your first eligible loss.
my Extras®
Enjoy additional coverage to protect your passions and valuable assets: garden, jewellery, bicycles, watercraft, securities, sports equipment you rent. We protect what matters most to you!
*Available for primary condo occupancy only
Liability umbrella insurance
Personal umbrella coverage will protect your assets against certain lawsuits and cover your legal expenses and loss of income while preparing your legal defence.
my 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 and the condition of your condo
- The number of years you have lived in the condo
- If your condo is built for or used by more than one family
- How your home is heated
- Proximity to firefighting support
- If you work at home
- How much protection you want
- The number of claims you have made in the past.
If you have any questions or concerns, reach out to your broker to learn more about your insurance premium.
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, but we offer an enhanced water damage endorsement that covers accidental sewer backup and overflow of a body of water. Talk to your broker to see if you are eligible to add this endorsement to your policy.
A typical condo insurance policy covers:
- Condominium protections which include
- improvements and betterments
- unit additional protection
- common elements loss assessments
- Personal property
- Loss of use
- 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 broker or to call for a quote.
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Your condo is your castle. Find the best coverage for your needs by contacting a broker. Getting a condo insurance quote is the first step to protecting your most important asset.