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Condo owner insurance coverage

Condo insurance that works for you

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

With The Personal, you get all-risk insurance that covers your property and improvements to your unit, as well as liability coverage in case you accidentally injure someone or damage their property. Learn more about our all-risk policy!

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Liability

Fire, theft, vandalism

Water

Storms and natural disasters

Belongings

More

Liability

This covers you in case you injure someone or damage their property by accident.

Liability coverage

Coverages E, F, G and H

These coverages are included in standard insurance policies. They insure you for unintentional bodily injury or property damage that you cause to another person, anywhere in the world. For example:

  • your bathtub overflows and causes damage to your downstairs neighbour’s unit
  • you leave a candle burning and it starts a fire that spreads to other units
  • your cleaner falls and gets hurt while cleaning your windows
  • your kid accidentally injures a friend during playtime and you need to pay the ambulance fees
  • the home you’re renting in Mexico is damaged by an accidental fire

If someone sues you, your financial situation could be put in jeopardy without this coverage. Most people choose $2 million of liability coverage, but you can increase the amount up to $5 million under certain conditions.

Fire, theft, vandalism

This covers you in case of fire, theft or vandalism.

Fire

All-risk insurance for fire damage

All-risk insurance covers most types of accidents, like damage caused by fire, smoke and forest fires.

For example, if a fire destroys your furniture and clothes, you would be covered. You would also be covered for your additional living expenses (like hotel expenses) if you have to temporarily relocate.

Theft and vandalism

All-risk insurance for theft and vandalism damage

All-risk insurance covers most types of accidents, like damage caused by theft and vandalism.

For example, if your house is burglarized and vandalized while you’re on vacation, you’d be covered for the cost of replacing or repairing the damage.

Water

Get extra coverage for water damage caused by sewer back-up, water seepage or floods.

Accidental water leak or overflow

All-risk protection for damage caused if the water service pipe leaks or overflows (doesn't include events that happen repeatedly)

All-risk insurance covers most types of accidents, like damage caused when water accidentally leaks or overflows. However, it doesn’t cover damage that’s caused repeatedly by the same problem.

For example, if the hose to your washing machine suddenly breaks and causes damage to your home, you'll be covered.

Water Damage ─ Ground Water and Sewer Back-Up (excluding flood caused by the overflow of a body of water)

Endorsement 16c

This insures you if water leaks, overflows or backs up from places like sewers and septic tanks and causes sudden and accidental damage to your property.

It can also cover you if ground water seeps in through basement windows, doors or floors, for instance because of a problem with the subsoil drainage pipe.

For example, if a sewer backs up, you would be covered for the cost of replacing, repairing or cleaning your water-damaged property, including any belongings in a personal storage space, like a storage locker.

See if you have enough groundwater damage coverage for all of your property.

The deductible for this coverage may be different from the deductible in your basic policy.

Flood Caused by the Overflow of a Body of Water

Endorsement 16d

This covers sudden and accidental loss or damage caused by flooding from the overflow of bodies of water, such as:

  • Rising or overflow of any watercourse, whether natural or man-made
  • Dam breaks

Provided this water reaches the surface of the ground on the insured premises.

For example, if a river floods and you have to evacuate your home, you would be covered for your additional living expenses (like hotel expenses) during your temporary relocation.

The deductible for this coverage may be different from the deductible in your basic policy.

Water Damage ─ Above Ground Water and Weight of Ice, Snow or Sleet

Endorsement 42

This covers sudden and accidental damage caused by:

  • rain or snow seeping through walls, roofs, doors and windows
  • water discharging, backing up or overflowing from eavestroughs or downspouts
  • the weight of ice, snow or wet snow.

Learn more by reading our water damage prevention tips.

Repeated water leaks or seepage

Exclusion ─ Damage caused by repeated water seepage or leaks

Your insurance only covers sudden and accidental water damage. In other words, if damage happens because you didn’t address an existing problem, it won’t be covered.

For example, you wouldn't be covered for damage to your property if the pipe under your kitchen sink was already leaking for several weeks and you neglected to have it repaired.

Storms and natural disasters

Find out how your group insurance protects you against severe weather events.

Tornado, freezing rain, hail, wind and lightning

All-risk protection for damage caused by tornados, freezing rain, hail, wind or lightning

All-risk insurance covers most types of accidents, like sudden loss or damage caused by tornado, freezing rain, hail, strong winds or lightning.

For example, if a windstorm causes a tree branch to smash through your window, you would be covered for damage to any nearby property, like your laptop.

However, if a windstorm or hailstorm causes damage outside your home to trees, shrubs, plants or your lawn, that damage is not covered.

Earthquake

Endorsement 22a

This provides you with additional coverage if an earthquake causes damage to your property. It also covers damage by other ground movement that might be caused by an earthquake, like avalanches, landslides or subsidence.

For example, if an earthquake causes your kitchen ceiling to cave in, you would be covered for the cost of repairing or replacing your property.

Fire, Explosion and Smoke Damage Resulting From an Earthquake

Endorsement 22b

This coverage is included in a standard insurance policy. It only provides coverage for:

  • fire
  • explosion
  • smoke

damage caused by an earthquake or other earth movements resulting from an earthquake, such as avalanches, landslides or subsidence.

For example, if an earthquake damages your home's electrical system and a fire breaks out, you would be covered for the cost of repairing or replacing damaged property and furniture.

Landslides, subsidence or other events

Exclusion ─ Damage caused by a landslide, subsidence or other event

You are insured for damage caused by avalanches, landslides, subsidence or soil erosion only if these events are caused by an earthquake. If this type of damage occurs, you’ll need to check your additional insurance for Earthquake (Endorsement 22a) and Fire, Explosion and Smoke Damage Resulting From an Earthquake (Endorsement 22b) to see how much coverage you have.

Standard insurance policy never includes damage caused by tidal waves or tsunamis.

Belongings

Choose coverage that recognizes the full value of your belongings..

Personal Property (Contents)

Coverage C

This coverage is included in standard home insurance policies. It insures your belongings and furniture in case something bad happens.

For example, if you don't install your bookcase correctly and it crashes into your TV, DVR and sound system, you could be covered for the entire cost of repairing and replacing them, up to the amount shown in your insurance policy.

Limits

There may be some limits on the amounts you can claim for certain items. Check your insurance policy to find out what they are! If you think they don't provide enough coverage for what your property is worth, you might be able to buy additional coverage for your more valuable property.

Dwelling and Improvements and Betterments

Coverage A

This coverage is included in standard insurance policies. It insures:

  • improvements made to your condo, like new kitchen cabinets
  • materials intended to improve your condo, like new hardwood flooring that hasn't been installed yet
  • outdoor installations, like an awning on a balcony, located on the premises or in the common property

For example, if you put up a temporary car shelter in your parking spot every winter and someone vandalizes it, you could be covered.

Loss Assessment Coverage Deductible

This coverage is included in standard insurance policies.

It insures you for the portion of your condominium corporation's insurance deductible that you may have to pay if an insured peril occurs in the building where you live.

For example, a fire destroys the five-unit building where you live and your condo corporation's insurance policy has a $25,000 deductible. We could pay your share of the deductible ($5,000).

Defects, deterioration, and wear and tear

Exclusion — Gradual damage caused by defects, deterioration, or wear and tear

You're not covered for damage caused by defects, gradual deterioration or normal wear and tear of your property.

For example, if your refrigerator is 5 years old and suddenly stops working due to a mechanical failure, you wouldn't be covered for the cost of repairing or replacing it.

More

Learn more about other coverages your group offers and some common exclusions in a standard policy.

Business or professional activities (including farming)

Coverage for business and professional activities

Standard insurance policies don’t cover business or professional activities in your home, like the activities of a home-based business, self-employed worker or hobby farm or the short-term rental of the residence.

For example, you aren’t insured for any damage to your home if you rent it out through short-term rental platforms.

We offer additional coverage options for some of these activities. Contact us for more information!

Animals and Insects

Exclusion ─ Damage caused by some types of animals or insects

We don’t cover damage caused by vermin, insects, birds, rodents, racoons or bats.

For example, if you have mice in your home and they damage your furniture, you won’t be covered for the repair or replacement expenses.

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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.