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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. 
  • Condo insurance for your needs
    Your condominium's syndicate insurance does not protect your liability nor your belongings. At Intact Insurance, we provide tailored condo insurance for condo owners that will fit with your lifestyle and provides necessary coverage for your belongings and civil liability.
  • 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.
  • Good home benefits
    Eligible new clients can get Intact Insurance’s most competitive home insurance price and free Good record protection on their policy. This means your first claim will be forgiven, for even more peace of mind.1
  • 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 insurance representative or get a quote.2

Good home benefits  

Our most competitive home insurance pricing, which includes 1 claim forgiven over a 5-year period. 

Good Record Protection 

Enjoy forgiveness for one claim every 5 years, with no premium increase as a result of this claim upon renewal

Additional water damage protections 

Water is the main threat to your home. Water damage endorsements provide coverage if water enters your home: sewer back-up, water and sewer lines, overland water and ground water. 

Umbrella - Personal liability insurance

For those who need greater civil liability protection, this add-on is an extension to your base insurance policy and provides coverage for your personal liability an auto civil liability in Canada and the U.S.A.

SOS 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 insurance and auto insurance with Synchro insurance and take advantage of the exclusive benefits. Get the best value for your money and save up to 15%3 on your home insurance policy.

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 five or more sensors and an automatic shut off valve in in your condo, you could get a discount.4
  • FADOQ FreeSpace®
    Only for those at least 50 years young! FADOQ members: enjoy increased protections and privileges, as well as 5% off your home insurance and a 5% discount on your car insurance premium.
  • There’s more ways to save
    Haven’t had a claim in over a year? 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 the condition of your condo
  • The number of years you have lived in that condo
  • How your home is heated
  • Proximity to firefighting support
  • If you work at home
  • The amount required to cover your belongings
  • The number of claims you have made in the past.

If you have any more questions or concerns, reach out to your insurance representative to learn more about your insurance premium, or get a competitive insurance quote online today.

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 from a body of water, but we offer water damage protection endorsements that cover accidental sewer backup and overflow of a body of water if you are eligible. Water damages caused by the malfunctioning or damages by sanitary installations in your building would be covered under your insurance contract. Talk to your insurance representative to add additional coverage for water damages to your policy and to see if you are eligible.

A condo insurance policy for occupying co-owners covers: 

  • Condominium protections which include 
    • Improvements and betterments to your unit and your common portion for exclusive use
    • Loss assessment
    • Additional living expenses
  • Personal property
  • Additional living expenses and fair rental value 
  • 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 insurance representative or to call for a quote.

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Talk to a representative

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. Insurance brokers and agents are highly skilled in assessing your condo insurance needs and offer the right coverage for your situation and budget. Chat with an insurance representative today to talk about your needs and get a condo insurance quote.

Get a condo insurance quote

Your condo is your castle. Find the best coverage for your needs by contacting an insurance representative, 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.