Condo Insurance
Condo insurance that fills the gap your syndicate leaves.
Your co-ownership pays for the building. Your policy pays for everything inside your unit, your liability, and the syndicate deductible if you are held responsible. Quote online, or talk to a broker.
Get covered today
A real quote, without the phone tag.
Condo coverage in Quebec sits between your unit and the syndicate’s master policy, and getting it right means understanding both. You can quote a standard condo online in minutes, or sit down with a licensed broker if your unit has upgrades, a rental component, or a complicated syndicate declaration.
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What it covers
What your policy covers (and what your syndicate covers).
The syndicate insures the building shell. Your unit-owner policy fills the three gaps that matter most, the ones most condo owners only discover when something goes wrong.
Your unit improvements
Hardwood floors, the kitchen you renovated, custom built-ins, upgraded counters. The syndicate’s policy covers the original “developer-standard” unit. Everything you improved after that is on you to insure.
Your contents and liability
Your furniture, electronics, and personal belongings, plus your liability if a leak from your unit damages a neighbour’s place or someone is injured inside yours. Standard syndicate policies cover none of this.
Special assessments coverage
When a major building loss exceeds the syndicate’s policy limits, co-owners can be billed thousands in a special assessment. This coverage pays your share, up to the limit you choose, so a roof or elevator claim does not become a personal bill.
How it works in Quebec
Two policies, one building, one clean handoff.
Quebec condo insurance has two halves. The syndicate of co-owners carries a master policy on the building, the common areas, and the developer-standard finish of each unit. As a co-owner, you carry your own policy on everything inside your unit beyond that baseline, plus your personal liability and contents.
Where it gets sharp is the syndicate’s deductible. If a leak starts in your unit and the master policy responds, the syndicate can recoup its deductible from you, sometimes $25,000 or more under recent Quebec reforms. A properly built co-owner policy includes loss assessment and unit-owner liability coverage so that bill does not land on you personally.
We read the syndicate’s declaration, identify the exact split, and place a co-owner policy that lines up with it. No double coverage, no gaps, no surprises at claim time.
Who it is for
If you own a unit in a co-owned building, this is for you.
Condo insurance covers anyone with title to a unit inside a syndicate of co-owners. Typical situations we cover: