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Condo insurance is different than other types of insurance in that you have an interest in the unit itself in addition to your interest in your personal property. The condominium corporation may have an insurance policy to cover the collectively owned property and common areas and the structure itself; however, this doesn‘t cover your interest in the belongings, and improvements you make to your unit or your liability.
Replacement Cost Coverage on all your personal property. In other words, what it would cost for you to replace EVERYTHING you own. Some examples of items that would be included are furniture, clothing, linens, dishes, pots and pans, food, artwork, lawn and gardening supplies and patio furniture as well as many other things.
Condo Package Policies Includes Coverage for:
Personal Property
Personal Liability
Improvements and Betterments
Contingent Coverage
Loss Assessment Coverage for Property and Liability
Comprehensive Coverage – All risk coverage.
Coverage for any incident unless specifically excluded from your policy. Added benefits to Comprehensive coverage include coverage for Accidental Damages or Loss and Mysterious Disappearance.
Special Item Coverages
Such as Jewellery, Boats and Motors, Seasonal Properties, ATVs, Furs, Fine Art and other specialty items can also be added to your home policy. Please contact a broker to discuss any specialty items you might have.