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No matter if you’re a homeowner, rent an apartment, or own a condo, we’ll help you find tailored home insurance coverages that correspond to your needs. Learn more about our protections below and find a broker to get a quote.
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Frequently Asked Questions
The type of home insurance you require depends on multiple factors. Are you the owner of the home or are you renting it? Is your home a separate structure on a private lot, or do you share the structure with neighbours, like a duplex? Is your home located near a large body of water or a forest? All of these factors can help determine what kind of home insurance is best for you.
Find a broker near you to discuss your insurance needs and what kind of coverage is best for your living situation.
To find a broker near you, access our broker directory. With over 6000 broker offices across Canada, these licensed professionals will help you find the best insurance coverage for your needs.
Don’t hesitate to find a broker to get the right Intact Insurance coverage for your home.
As a homeowner, the structure of the house belongs to you, and you are responsible for any maintenance that may result from a covered incident. A renter or tenant does not have this problem. That falls under the responsibility of the landlord and their insurance. A tenant insurance policy is therefore created to protect the renter’s personal property within the dwelling from covered incidents along with personal liability coverage. Home insurance coverage includes coverages for damage to the structure of your home that could set you back financially.
Home insurance and condo insurance appear to be very similar at first glance. They both include coverages that help protect the contents of your home, your personal property, the structure of the home, and personal liability coverage.
Where condo insurance and home insurance differ is related to the structure of your home and how claims are processed. Because a condo is a separate unit that you own within a shared building, damage that affects your unit can spill over to neighbouring units and common areas. In certain scenarios, a condominium insurance claim may involve the condo corporation and other unit owners.
The rest of the building is typically covered by a commercial condo policy, which the condo corporation takes care of using funds collected from condo fees. Don’t hesitate to talk to a broker for more information!