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  • Home insurance
    • Homeowners insurance
    • Tenant insurance
    • Condo insurance
  • Car insurance
  • Support
    • Claims
    • Help center
    • Contact us
  • Learn
    • Helpful articles
    • Guide home insurance
    • Guide tenant insurance
    • Guide car insurance
  • My account
  • Get your free quote

Get the best price on condo insurance year after year

On average, YouSet users save $65/year on condo insurance*

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Trusted by over 300,000 users

Affordable condo insurance this year, next year, and beyond

We don’t just help you find affordable condo insurance this year — we’ll actually help keep it that way next year (and the year after!) too.

Exclusive rates and discounts
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Our technology unlocks exclusive rates and discounts for you, so you never miss out on savings.

Transparent
renewals
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When it’s time to renew, we’ll make sure you pay the best price, or we will re-shop for a better deal for you.

Proactive price
increase alerts
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If your price increases at renewal, we’ll alert you and even re-shop with another insurer for you.

Self-serve
features
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Make modifications and access your documents in one place — even from different insurers.

How to get a condo insurance
quote at the best price

  • 1
    Share and compare 3 min

    Tell us about yourself, and our algorithms will automatically compare multiple insurers and find exclusive discounts.

  • 2
    Buy online 1 min

    Once you’re happy with your quote, complete your purchase directly on YouSet through our secure online checkout.

  • 3
    Renew at the best price

    You will be notified if your price increases, and we’ll re-shop for a better deal for you.

Start saving

Shop for condo insurance by province or city

Ontario
  • Toronto
  • Ottawa
  • Mississauga
  • Hamilton
  • Kitchener-Waterloo
  • Windsor
  • London
Québec
  • Montréal
  • Québec City
  • Gatineau
  • Longueuil
  • Laval
  • Sherbrooke
  • Trois-Rivières
  • Saguenay

300,000 Canadians have used YouSet to buy cheaper condo insurance

4.9 rating of 2,016 reviews

Get a quote
  • Great service! The team works very quickly and professionally! I urgently needed insurance and they issued it in one day.
    C
    Iryna
  • Rapid service, all handled via email and text, no waiting on hold.
    J
    Jeremy
  • Straightforward service with fast turnaround and kindness. What more could you ask for?
    G
    Gina
  • This company is unlike most companies these days. They are easy to communicate with, efficient and offer good prices.
    C
    Caroline
  • I've been using Youset for my condo insurance since I bought in 2020. Very smooth experience, I'm happy with my policy and price, customer support is great and transparent.
    A
    Aymeric
  • Fast response, easy and reliable. Got the best rate by a mile with YouSet.
    J
    Julien
  • Great experience with the YouSet team, particularly when I changed addresses and went from renting to owning.
    E
    Eric
  • Was able to get a policy and a great policy at that, for a super affordable price that was actioned in 24 hours!
    I
    Irshad

What is my best price?

YouSet’s algorithms are designed to do one thing – find you the best price. By analyzing the details you provide, we scan our network of insurers, apply exclusive discounts, and present you with the best option.

Find my best price

Protect what’s yours with condo insurance

Your condo association’s insurance might cover the building and common areas, but when it comes to your unit, coverage stops at your front door. Protect what’s yours with condo insurance from YouSet.

Customize your policy

Personal belongings coverage

Personal belongings coverage, also known as contents insurance, covers your belongings (ex. clothing, electronics, furniture) wherever they are, even if it is not in your condo at the time. It’s automatically included in all YouSet condo insurance policies.

Betterments and improvements coverage

Betterments and improvements coverage covers any renovations or upgrades made to your unit, whether by you or a previous owner, including walls, flooring, cabinetry, and fixtures. It’s automatically included in all YouSet condo insurance policies.

Additional living expenses coverage

If a covered claim forces you to temporarily move out of your condo, additional living expenses coverage can help pay for hotel stays, temporary rentals, and other living costs. It’s automatically included in all YouSet condo insurance policies.

Personal liability coverage

If someone gets hurt while visiting your unit or you accidentally damage a neighbour’s property, personal liability coverage can help cover medical bills, legal fees, and repair costs – no matter where you are in the world. It’s automatically included in all YouSet condo insurance policies.

Unit contingency coverage

If your condo association’s insurance policy for the building isn’t enough to cover damages or losses to your unit, unit contingency coverage can help fill the gap. It’s automatically included in all YouSet condo insurance policies.

Loss assessment coverage for property damage

If your condo association issues a special assessment for damages to common areas (ex. the building’s roof) exceeding the master policy’s coverage limit, property loss assessment coverage can help cover your share. It’s automatically included in all YouSet condo insurance policies.

Sewer backup coverage

If sewage backs up into your unit from sewers, floor drains, or septic tanks, sewer backup coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. It’s optional but strongly recommended. 

Overland water coverage

If freshwater unexpectedly enters your condo due to excessive rain, melting snow, or other causes, overland water coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. It’s optional but strongly recommended.

Above-ground water coverage

If water unexpectedly enters your condo from above, such as through the ceiling, walls, windows, doors, or roof, above-ground water coverage can help cover the damage to your unit, your belongings (even those in your storage unit), and potential relocation fees. While optional, it’s strongly recommended, especially since condos are often close together, allowing damage to spread quickly.

Identity theft coverage

Unlike your bank, which covers fraudulent charges, identity theft coverage reimburses you for unexpected expenses like legal fees, document replacement, and banking charges.

Coverage for valuables

If you own an item that’s valuable or hard to replace, you can add it to your policy as a floater. That way, if it’s lost or damaged by a covered event, it’s protected for its full appraised value.

Save up to 15% more
when you bundle

We’re the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single insurer against a mix-and-match approach. Whichever option offers the best price is the one we present to you.

Check our prices

Insurer A

  • Car insurance
    $ 118
    per month
  • Condo insurance
    $ 85
    per month
Bundle total
$ 203
per month

Insurer B

  • Car insurance
    $ 39
    per month
  • Condo insurance
    $ 72
    per month
Bundle total
$ 111
per month

Insurer C

  • Car insurance
    $ 72
    per month
  • Condo insurance
    $ 29
    per month
Bundle total
$ 101
per month
  • Car insurance with Insurer B
    $ 39
    per month
  • Condo insurance with Insurer C
    $ 29
    per month
Bundle total
$ 68
per month

Additional resources for condo owners

We know that condo insurance can feel intimidating, which is why we created these helpful resources to help you throughout the process.

Get a condo insurance quote
Condo insurance calculator
Home insurance glossary
Condo vs. tenant insurance
Help center

Is YouSet insurance legit?

Yes, YouSet is fully legitimate! We are a registered damage insurance brokerage, licensed by the AMF in Quebec and RIBO in Ontario, allowing us to offer a full range of personal lines insurance products in both provinces.

Can I switch to YouSet even though I’m in the middle of a policy elsewhere?

Absolutely – you can switch to YouSet at any time, even if you’re in the middle of a policy elsewhere! While your current provider may charge an Early Termination Fee, the money you save by switching now might more than make up for the fee in the long run.

What kind of insurance do I need for a condo?

The insurance you need as a condo owner is condo insurance. It will cover everything inside your front door, including the permanent fixtures of your unit, upgrades or renovations, personal belongings, and even liability for accidents that occur in your unit. 

Additional coverage, particularly for water damage, is also strongly recommended given the nature of condo living and how quickly damage can spread to neighbouring units. 

Is condo insurance mandatory?

No, condo insurance is not legally mandatory in Canada if your condo is fully paid for (mortgage-free). However, your condo association may make it mandatory. In either case, you should expect to be asked to provide proof of insurance.

How much does condo insurance cost?

On average, condo insurance costs YouSet users $20 a month in Quebec and $21 a month in Ontario. However, your premium will depend on several factors, including your condo’s location, property characteristics, and your personal claims history.

*Average savings are based on users who purchased condo insurance with YouSet on or before June 17, 2024. Individual savings may vary and are not guaranteed.

Made with ♡ in Canada

YouSet Insurance is a damage insurance brokerage firm registered with the AMF in Quebec and RIBO in Ontario.

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