Get a Quote

Sutherland Insurance offers tailored insurance coverage to fit your lifestyle.

Condo Insurance

Condo insurance, often referred to as condominium insurance or HO-6 insurance, is a type of property insurance designed specifically for condominium owners and differs from home insurance.

Your Condominium Corporation has insurance for the building itself and its common areas, but it doesn’t cover your personal belongings or any improvements you've made inside your unit. This is why, as a condo owner, it’s crucial to have condo insurance that covers your possessions and more if something happens.

How Condo Insurance Protects You

Your Belongings Condo insurance helps protect you financially against insured damage or loss to furniture, clothing, and other personal property inside your condo unit or vehicle.

Unit Upgrades It also covers upgrades and improvements (such as better flooring, high-end light fixtures, or granite countertops) you or a previous owner have made.

Living Expenses If you can’t live in your condo while repairs are being made after an insured loss, condo insurance helps cover expenses like hotel rooms, storage costs, and more.

Liability & Shortfalls Condo insurance protects you financially if you accidentally cause property damage or bodily injury to others or if there is a shortfall in your condo corporation’s coverage.

Your condo is not just a place to live; it is your home. It is one of the biggest investments you will make, so it’s important to protect it with condo insurance that suits your lifestyle. From coverage for your condo and personal belongings to personal liability protection, our comprehensive solutions will give you peace of mind. If something unexpected occurs and repairs are needed, or if you cannot live in your home following insured damages, you can be sure we will have your back.

Coverage includes:

  • Improvements and betterments inside the structure – such as floors, rugs, upgraded counter tops and fixtures attached to and forming part of the interior building.
  • Contents with some specific limitations on certain items such as Jewellery, Road or Mountain Bikes or other collectibles.
  • Loss assessment which covers you as the unit owner for bodily injury occurring or major damage to commonly owned parts of the building, such as a lobby, where all owners are responsible - in the event full coverage is not available under the condo building's insurance policy.
  • Personal liability to cover you and your family if someone is injured or you accidentally cause damage to the property of others, anywhere in the world.

As a broker, it is our job to shop the market for the most competitive price option while making sure your specific needs are covered. Contact us today for your next quote below. 

Condo Insurance Quote