Get a personalized condo insurance quote in less than 4 minutes with YouSet
Protect your condo with a personalized condo insurance quote in less than four minutes with YouSet. From liability insurance to personal belongings, we will help you compare condo insurance quotes perfectly suited to all your needs. Learn more about how condo insurance works and get your personalized quote today!
Why choose YouSet?
YouSet’s online platform has saved customers 29% on average on all their home and car insurance coverages. Our automated platform will instantly compare all condo insurance quotes and connect you with multiple insurers in less than four minutes. Comparing condo insurance quotes is time-consuming, but with YouSet by your side, the process is streamlined, eliminating any confusion.
YouSet has served over 70,000 satisfied customers, helping them save money and countless hours when looking for condo insurance policies. At YouSet, we combine data, modern technology, and human expertise to find you the best condo insurance quote available, ensuring your condo and the things you love are protected.
Our online platform is completely free-to-use and will screen the market for all condo insurance quotes. With YouSet, you have access to personalized support throughout the entire process via phone, SMS, or email to answer any questions you might have.
What is the process of getting condo insurance with YouSet?
YouSet understands that shopping for condo insurance can be stressful – especially if it is your first time. From comparing different quotes, to understanding specific coverages, we are here to help.
Our online platform compares condo insurance quotes from various insurers in under four minutes, ensuring you find an affordable policy. Simply begin by answering a few questions and our algorithm will immediately connect you with insurers that meet all your needs. The final step entails personalizing your condo insurance policy with the coverages you want.
With YouSet, you can also purchase your condo policy directly from our site. Our team of experts are here to help, offering personalized support along the way via SMS, email, or phone.
What does condo insurance cover?
Condo insurance protects you against the unexpected, ensuring your condo unit and the things you love are safe. While your condo corporation has its own insurance for the building and common areas, your condo insurance policy ensures anything in your particular unit is covered.
Common condo insurance policies offer liability insurance, personal belongings insurance, identity theft coverage, as well as extra expenses should you need to vacate your home for whatever reason.
Condo insurance policies differ from company to company, and can be customized according to your specific needs. Be sure to read your condo insurance policy thoroughly before actioning a quote, however, with YouSet by your side, the process is as transparent as ever.
Standard condo insurance coverages
The following coverages are standard and are essential components to condo insurance policies, including liability insurance, personal belongings insurance, and additional living expenses. Learn more about standard condo insurance coverages.
Simply put, liability insurance covers you and the people living in your condo against potential lawsuits. Liability insurance protects you if someone gets hurt in your condo unit while visiting. It also covers you as an insured, everywhere in the world, if you accidentally cause property damage.
Liability insurance is an essential component to condo insurance policies, protecting you and your loved ones against the unexpected. Given the proximity of condo units to one another, we recommend adding this coverage to your condo insurance policy.
Personal belongings coverage, also commonly known as contents insurance, protects your personal property against loss or damage due to insured events, including fire, theft, vandalism, windstorms, smoke and more.
With personal belongings insurance, your property is insured wherever it may be – even if it is not in the condo at the time. Keep in mind, however, that a good way to save money on your condo insurance is not to over-insure your personal belongings.
Additional living cost coverage is typically included in all condo insurance policies and provides you with some much needed coverage should you need to relocate due to a claim.
This can include paying for a hotel, an apartment rental, or for everyday living expenses such as food and clothing.
Protecting a condo unit is entirely different to home insurance policies and entails certain special coverages. Condo special coverages typically include the following: unit improvement coverages, unit contingency coverages, and properly loss assessment coverage.
Unit improvement insurance covers renovations you make to your unit, while contingency coverage protects you if your condo corporation’s insurance isn’t enough to take care of damages to your unit. Finally, property loss assessment coverage kicks in should your condo corporation require members to pay for damages to the common areas. We recommend thoroughly reviewing your condo building’s insurance to see what type of coverage is already included!
Optional condo insurance coverages
Identity theft, overland water and sewer backup are examples of optional condo insurance coverages, offering you an additional layer of protection. Learn more about optional condo insurance coverages.
Identity Theft
The Canadian Anti-Fraud Centre estimates that one in five people will fall victim to identity theft. Identity theft coverage offers some much-needed peace of mind in case your identity is stolen.
This coverage reimburses any legal fees and expenses you incur for replacing legal documents. Identity theft typically has limits, therefore, it is always a good idea to review your condo insurance policy prior to confirming it.
Sewer Backup
Sewer backup coverage can help get you out of a sticky situation, and protects your condo should water back up into your unit from a sewer, septic tank, floor drain, or sump. This coverage also extends to any personal belongings damaged by the sewer backup either inside the condo or in your storage unit.
Overland Water
Water damage is yet another crucial component of condo insurance and is, in fact, the leading cause of property damage in Canada. Overland water coverage protects your condo unit against any damage incurred from fresh water, including excessive rain, melting snow, and more. Overland water coverage could also cover your personal belongings in your storage unit, however, coverage offered depends on eligibility.
We recommend water damage coverage for all condo owners, as you may be required to cover damages done to the building if the building insurance is not sufficient even if the damages are not done to their unit.
Above ground water
Above ground water coverage, put simply, protects you in the event that water enters your home from above ground. It covers any water infiltration coming in through the roof, walls, windows and doors. This coverage is important in condo insurance policies given the proximity of condo units to one another.
Note: Your personal belongings are protected with above ground water coverage.
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2022-10-05
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2022-09-23
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Why do I need condo insurance?
Your condo is the place you call home and includes all your cherished personal belongings. Condo insurance policies are designed to protect you and your loved ones against any situation, whether it is water damage, lawsuits, identity theft, and more.
Whether you are the property owner or tenant, condo insurance offers you an additional security blanket should the unexpected happen. Learn more about how condo insurance can protect you and get a personalized condo insurance quote with YouSet in less than 4 minutes today! It is also required if you have a mortgage on the property.
Condo insurance FAQs