Help & Support - Home Insurance

Condominium owners need insurance. Condo insurance is recommended to provide protection for both personal property and liability.

The Condominium Corporation has its own insurance that covers incidents outside of your personal unit that typically covers the building and common areas. Only you can insure your unit improvements, personal property and liability.

Condo insurance includes:

• Loss or damage of your contents and personal property
• Additional living expenses if you have to move out of your unit because of an insured loss
• Personal liability coverage
• Unit Improvements and Betterments
• Loss Assessment (covers your share of any assessment by the condo corporation because of an insured loss or damage to the common areas of the condo building, e.g. the lobby, elevator)
• Unit Additional Protection* (covers your unit itself in case the condo corporation does not have adequate insurance that will fully cover a loss to your unit)

Please connect with us to ensure that you have adequate coverage to protect you and your family.

*Not available in Quebec.

You may, depending on your agreement with your builder and when your financial interest in the home is triggered. You'll want to insure building materials too. Even though the home may not be finished or lived in, loss and damage is still a possibility.*

We recommend you speak to your Specialist to determine whether the criteria meet our guidelines.

*Not available in Quebec.

This is an optional cover that is available in most areas subject to eligibility.

Yes, decks which are attached to your home are considered part of your dwelling.

Decks that are not attached are considered additional buildings, which are also covered if they are on your property.

Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property - even though you are not legally liable.

Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property - even though you are not legally liable. It can also cover loss or damage to someone else's property caused intentionally by a minor child (12 years of age or under) in your care.

You don't have to be legally liable to use either of these coverage options, and there is no deductible.

Your homeowner's policy will cover the personal contents in your home (subject to limits) which can include your furniture and appliances, clothing, electronics, cameras, etc.

Although specialty items such as jewellery, artwork or watercraft are included in your personal property, additional coverage may be purchased for higher values.

Please connect with us to ensure that you have adequate coverage to protect you and your family.

Your home insurance in most provinces*, will provide coverage for claims other than damage to the watercraft (or other recreational off-road vehicle) if:

• You have consent to use the watercraft or vehicle
• You are not racing
• You are not using the watercraft or vehicle for business
• The watercraft or vehicle is not subject to registration

*Coverage varies in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec. 

It covers losses arising from ownership or non-business use of:

• Trailer or its equipment provided that such trailer is not attached to, carried on or being towed by a motorized vehicle
• Quebec only:  Trailer or its equipment provided that such trailer is not attached to or carried on a motorized vehicle.
• Small boats (25 hp outboard, 50hp)
• Sailboats up to 26'
• Golf carts on a golf course
• Self-propelled lawnmowers, snowblowers, garden-type tractors (25hp max) used mainly on your own property
• Quebec only:  Self-propelled lawnmowers, snowblowers, garden-type tractors (30hp max) used or operated on the premises and, provided they are not used for compensation or hire, occasionally off the premises.
• Motorized wheelchairs, including motorized scooters having more than two wheels and specifically designed for disabled persons