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 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.

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.

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.

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.

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.

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. 

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.

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.

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

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.