Condo insurance needs to fit alongside the condominium corporation's or strata's policy. The corporation's building insurance does not answer every question about your belongings, improvements or personal liability.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
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A practical comparison guide
Request the insurance summary, deductible information and the documents defining the standard unit. Explain upgrades, appliances and improvements to your provider. Ask about loss assessments, deductible assessments and unit-owner responsibilities, including the limits and conditions that apply. Do not assume a large corporation policy removes your own exposure.
Compare proposals using the same occupancy, property information and requested protections. Record each deductible, any special limit and the settlement basis. Ask for an explanation of exclusions and duties that apply while the property is unattended. Keep a copy of the wording and the answers you relied on, rather than comparing only the monthly payment.
Use current documents. If a detail is uncertain, identify it for the provider instead of guessing.
Ask how improvements are defined and valued under your policy. Compare your renovation records with the corporation's standard-unit definition. The responsibility for flooring, cabinets or fixtures can depend on the documents and circumstances.
Terms depend on the facts supplied, the requested protection and the provider’s assessment. Compare the full annual cost, limits, deductibles and conditions. An illustration or general guide is not a personal quote or confirmation of coverage.
Insurance Genie helps you prepare an insurance enquiry. A participating licensed professional must confirm availability and the terms of any proposal. For legal or contractual obligations, obtain advice from the appropriate qualified adviser.
Discuss my requirements →Further reading: Insurance Bureau of Canada guidance. Check the current document and your own policy or bond wording. This page is general information, not an issued policy or bond.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: A pipe breaks and damages flooring and belongings.
What happens next: Document the source and damage. The insurer will review the cause, policy wording, limits and deductible; different water events have different treatment.
Scenario: Personal belongings are taken during a break-in.
What happens next: Keep police details and proof of ownership. Item limits, valuation and any scheduled coverage are part of the assessment.
Scenario: A visitor alleges an unsafe condition caused an injury.
What happens next: Send the allegation to your insurer promptly. Liability and the policy response require investigation rather than an assumed payout.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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