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Condo insurance

Your condo is your castle. Make sure it’s protected. 

It’s more than four walls, it’s your home. Get condo insurance today. 
  • Tailored condo insurance
    At Intact Insurance, we provide tailored condo insurance for condo owners that will fit with your lifestyle and bridge gaps between the condo unit owner’s policy and the protections that you benefit from through your condominium corporation insurance.
  • The right condo coverage
    You can breathe easy knowing that you are able to bounce back quickly from insured damages and perils to your condo and personal belongings with our condo insurance protection..
  • Outstanding claims experience
    Benefit from second-to-none 24/7 support with the largest claims team in Canada. When something happens to your condo, we have your back.  

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.  

  • The condominium protection for occupying co-owners includes these elements, and more:  

    • Improvements and betterments: covers the upgrades you made over time to your unit and your common portion for exclusive use.
    • Unit additional protections: covers your condo unit when the condo corporation policy does not have enough or any insurance coverage.  
    • Common elements loss assessment: this provides a special assessment due to a direct loss of a common element such as lobbies, hallways, roofs and elevators, created by an event that’s insured under the condominium corporation policy and your policy. 
  • This will cover damages to personal belongings in your condo unit like your furniture, clothing, appliances, electronics, etc.  

  • Loss of use coverage provides protection from additional living expenses if you cannot stay in your condo unit during repairs following an insured damage. This includes your hotel fees and food, as well as fair rental value if your condo unit is rented to others.

  • Personal liability coverage will protect you and your family members if sued and held legally responsible for unintentional damage to the property of others or caused them bodily injury.

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.

The perfect match between your condo and auto insurance

Bundle and save!

Combine your condo and auto policies to save up to 18%2 on your car insurance and 5%2 on your home insurance premium.

More ways to save 

  • Alarm systems
    Have an alarm system in your home? Whether its locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium!
  • Water safety devices
    If you have installed water flow devices with automatic shut off valves or if there is a water sensor system with three or more sensors and an automatic shut off valve in in your home, you could get a discount.3
  • There’s more ways to save
    Haven’t had a claim in over a year? You’re a non-smoker? Haven’t moved house over the last years? With Intact Insurance, it could help you save!

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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Talk to a broker

With all the condo insurance coverage available and your specific needs, it can be a challenge to choose the right protection. That’s why we have over 2,000 broker relationships across Canada. Brokers are highly skilled in assessing your condo insurance needs and offer the right coverage for your situation and budget. Chat with a broker today to talk about your needs and get a home insurance quote.  

Get a condo insurance quote

Your condo is your castle. Find the best coverage for your needs by contacting a broker, 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.