Condo owner insurance coverage

Your Personal connection… to exceptional customer experience.

Condo insurance that works for you

Try our simplified quote and start saving!

Quote with possibility to buy online

Quote with possibility to buy online

Condo unit owner? You need your own insurance policy in addition to the insurance held by your condo board.

With The Personal, you get all-risk insurance that covers your property and improvements to your unit, as well as liability coverages to protect you in the event of injury to others or damage to their property. Now you can buy your group condo insurance online!

Protect your property with all-risk insurance

When you take out a condo insurance policy with us, your personal property is protected against common risks like fire, theft and vandalism. You’re also covered if a pipe suddenly bursts or a household appliance (such as a dishwasher) breaks and causes water damage in your condominium unit.

Our all-risk insurance also covers:

  • Condo upgrades (remember to let us know if you make any!)
  • Accidental damage (such as a paint spill on carpet)
  • Additional living expenses in the event of major damage following an insured loss (i.e., what you pay out of pocket if you have to relocate after a fire while your condo is being repaired)

We also insure houses, apartments and secondary residences.


The phone rang as Julie was cooking, so she stepped away to answer it. While she was talking, a grease fire started and damaged her high-end stove and new cabinets. Julie’s all-risk insurance policy will cover the damage to her stove and will make up the difference between the cost of the original cabinets (covered by the condo board’s insurance policy) and her new cabinets.

Protect your assets with liability coverage

Liability coverages protect you if you accidentally injure another person or damage their property. Here are two examples:

  • Your bathtub overflows and causes water damage to your downstairs neighbour’s unit
  • You leave a candle burning, which sparks a fire that damages your unit and neighbouring units

Without this coverage, your finances could be put in jeopardy if you’re sued. Most policyholders opt for $1 million in liability insurance, though under certain conditions you can choose up to $5 million.

Did you know…

When you travel, your condo insurance policy provides property and liability coverages no matter where you are.

Customize your condo unit insurance with optional coverage

Water damage

Add coverage for damage caused by sewer back-up, water seepage and flood

Learn more

Swimming pool and hot tub

Protect your above ground, semi-inground or inground swimming pool or your hot tub against damage caused by ice and snow

Learn more

Escape of fuel oil

Get coverage for damage caused by fuel oil spills

Learn more

Take advantage of our assistance service

With group condo insurance from The Personal, you get access to Identity Theft Assistance at no extra charge.

Identity Theft Assistance

Get help from a team of qualified professionals if your identity is stolen.

  • Available 24/7
  • Included with your condo insurance policy
Learn more
  • The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply. Online insurance purchase is available subject to our underwriting policies. Limitations and exclusions apply.