Condo owner insurance coverage

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As a condo owner, you need your own insurance policy in addition to the insurance held by your condo board. With The Personal, you can get all-risk insurance that covers your property and improvements to your unit, as well as liability coverage to protect you in the event of injury to others or damage to their property.

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 home.

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 coverage protects 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 home insurance policy provides property and liability coverage no matter where you are.

Customize your insurance

H2O+ Protection

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

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Outdoor swimming pools, hot tubs and saunas

Protect your pool, hot tub and sauna against damage caused by freezing or the weight of ice or snow

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Fuel oil spills

Protect your property against spills from your oil tank

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Take advantage of our assistance service

With home 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 home 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 insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.