Condo insurance in Quebec: Get a quote and buy online

Condo insurance fills the gaps in the primary policy of the condominium association. Depending on your coverage, it includes your appliances, the interior walls of your unit, and your personal belongings. Additionally, it protects your personal liability in case of injuries or property damage caused to others.

Condo insurance is essential because the primary policy of the condominium association doesn't cover everything. It often excludes certain features of your unit, your equipment, and your personal liability. Without condo insurance, you might have to pay these costs yourself.

The primary condo insurance policy of your condominium association may cover the original appliances, systems (wiring, plumbing), and furnishings of your condo, as well as common areas after a loss. However, it may omit essential elements of your personal unit. Make sure your condominium insurance covers:
That should include:
• Your personal unit: The improvements you've made, like a new kitchen or renovated bathroom, are protected against various types of damage. For example, you're covered if a water leak damages your new kitchen furniture or an electrical incident affects the upgrades made to your unit.
• Your valuables and possessions: Your belongings are protected against various types of damage, including fire, theft, or vandalism. This also includes damage due to smoke, power surges, wind, and certain types of water damage. For instance, if your washing machine hose breaks and causes water damage, or if a child accidentally breaks your valuable vase while playing, you might be covered.
• Your personal liability: You're covered if you accidentally cause damage to others or their property. For example, if your dog damages a neighbor's belongings or if you accidentally knock over a friend's valuable item. Note: This protection applies wherever you are, not just on your property!

A recommended condo insurance policy offers automatic and unlimited coverage for your valuables, such as your furniture, television, or game console. You can adjust this protection to include your jewelry, artwork, and other high-value items, covering your personal effects up to a specified limit. To assess if your condo insurance coverage is sufficient, an inventory of your belongings can be very useful, and you have the option to add an endorsement or a "floater" insurance to cover additional valuables. Let us help you find the right insurance for you. Start your quote now!

Every condo owner is legally required to have liability insurance. This insurance is essential to protect your property against unforeseen damage and cover you in case of civil liability for accidental damage caused to others. It's crucial to review your declaration of co-ownership, as it may impose specific requirements such as minimum coverage levels or mandatory protections. This step ensures you are properly insured according to the condominium standards, providing adequate protection in case of an incident or water damage, while ensuring compliance with legal obligations. Let us help you find the insurance that suits your needs. Start your quote now!