Home insurance

Condo insurance

Coverage options

To help determine what amount of protection is right for you, your insurance broker may ask you to complete A Record of Your Belongings worksheet designed to help you complete a listing of your personal property, from clothing to major appliances.

Reviewing this list with your broker will ensure that you have enough protection to replace all of your personal property in the event of a major loss.

Glass breakage deductible

You can reduce your deductible for glass breakage to $25, for an additional premium. This option is not available under Condo Pak A.

Identity theft coverage

For an additional premium, you can increase the basic policy coverage.

Increased limits coverage

This option allows you to increase limits of insurance for property with specific amounts of protection, such as jewelry. It also provides $3 million personal liability coverage as well as enhanced limits for voluntary medical and voluntary property damage payments (eligibility requirements apply).

Rental home coverage

This option allows you to add protection for up to 6 rental homes you own and rent to others.

Seasonal home coverage

You can add protection for your seasonal home and its belongings to your condo insurance package. Guaranteed replacement cost coverage is available at no charge (subject to some restrictions).

Sewer backup coverage

This coverage is available for an additional premium.

Special belongings coverage

You may require extra protection on special items like jewelry, artwork, coin and stamp collections, musical instruments, bicycles, stereo equipment, cameras and furs.

Watercraft coverage

Boats, motors, personal watercraft and their equipment can also be protected.