{"id":5299,"date":"2024-05-02T05:01:54","date_gmt":"2024-05-02T05:01:54","guid":{"rendered":"https:\/\/youset.ca\/?p=5299"},"modified":"2026-03-16T12:10:13","modified_gmt":"2026-03-16T12:10:13","slug":"condo-vs-home-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/condo-vs-home-insurance\/","title":{"rendered":"Condo Insurance vs. Home Insurance: What\u2019s the Difference?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you\u2019ve just bought a condo (congratulations!), you may have started looking around for the right home insurance to protect your investment. Home insurance isn\u2019t what you\u2019re after, though. What you need is condo insurance.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">So, what\u2019s the difference, you might ask? In this article, you\u2019ll find out what the <a href=\"https:\/\/youset.ca\/en\/blog\/what-is-condo-insurance\/\">difference between condo insurance and home insurance<\/a> is so that you can navigate the insurance options available in Canada and select the option that\u2019s best for you, your belongings, and your condo.\u00a0<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_98bcd151b0fb66d1b65a564b992689bc\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Condo insurance is for owners of a unit in a condo building or townhouse and covers what\u2019s inside your unit, including your belongings, liability, and living expenses, while the building itself is insured by the condo corporation\u2019s master policy. Home insurance, on the other hand, is for owners of standalone houses and covers the entire property inside and out, including the structure, land, and any external buildings.\u00a0<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-condo-insurance-vs-home-insurance\">Condo insurance vs. home insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The difference between condo and home insurance is who each is intended for. Simply put, condo insurance is intended for individuals who own a unit within a larger managed property, while home insurance is designed for owners of a standalone residential property.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/condo-insurance\/\"><span style=\"font-weight: 400;\">Condo insurance<\/span><\/a> <span style=\"font-weight: 400;\"> is considered a form of <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">home insurance<\/span><\/a><span style=\"font-weight: 400;\">, but it&#8217;s distinct from traditional home insurance, and here\u2019s why.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Think of high-rise condo buildings, low-rise condo buildings, and townhouses. In properties like these, the main structure and any common spaces usually fall under the protection of the condo corporation\u2019s master insurance policy. Thus, things like dwelling coverage, a standard feature of <a href=\"https:\/\/youset.ca\/en\/home-insurance-guide\/\">home insurance policies in Canada<\/a> that covers the exterior structure of a building, don&#8217;t apply. Consequently, they are excluded, and insurers focus on providing coverage for things that you actually need as a condo owner, such as:\u00a0<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">The interior structure and fixtures within your condo unit (ex. walls, flooring, cabinets)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Upgrades and improvements you make to your condo unit (ex. kitchen renovation, new bathroom fixtures, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-contents-insurance-in-canada\/\">Personal belongings<\/a> (ex. furniture, clothing, electronics, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-personal-liability-insurance\/\">Liability protection for bodily injury or property damage<\/a> you cause others<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-additional-living-expenses-coverage\/\">Additional living expenses<\/a> in case your condo is deemed uninhabitable due to a covered peril, such as a fire (ex. hotels, food, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Damage to common areas that aren\u2019t covered by your <a href=\"https:\/\/youset.ca\/en\/blog\/condo-owner-vs-condo-corporation-insurance\/\">condo corporation\u2019s building insurance<\/a><\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">Home insurance<\/span><\/a><span style=\"font-weight: 400;\">, on the other hand, is tailored for owners of standalone houses or dwellings, such as single-family homes. It covers both you and your property, including the land your home sits on and any external structures on your property. <\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_a5a4cfa7941a25a5ace091f16c2bf069\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Unlike condos, which are managed by condo corporations and partially covered by master insurance policies, homeowners rely solely on home insurance to protect their properties, inside and out. As such, the following types of coverage are included in most home insurance policies, with many optional types of coverage to choose from should you want more comprehensive protection against life\u2019s uncertainties.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">The primary structure of your home (ex. foundation, walls, roof, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Any external structures on your property (ex. garages, sheds, fences, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Personal belongings (ex. furniture, clothing, electronics, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Liability protection for bodily injury or property damage you cause others<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Additional living expenses in case your condo is deemed uninhabitable due to a covered peril, such as a fire (ex. Hotels, food, etc.)&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">To illustrate the difference between home and condo insurance, let&#8217;s say a storm sweeps through town, hurling debris and inflicting damage on nearby homes and condo buildings. In this situation, condo owners would find solace in knowing that their building&#8217;s insurance would address any damages inflicted on the exterior structure of the property. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Meanwhile, a homeowner would rely on their home insurance policy to help them cover the costs associated with repairing the damage caused to their home by the storm.\u00a0<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-for-buying-insurance-for-your-home\">Tips for buying insurance for your home<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Now that you know whether you\u2019re looking for home or condo insurance, you\u2019re likely ready to start shopping around. When you do, keep the following tips in mind. Doing so will get you one step closer to getting your home and condo protected for the best possible price.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-ignore-your-deductible\">Don\u2019t ignore your deductible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">A deductible is the dollar amount you have to pay upfront before your insurance covers the rest when making a claim. Oftentimes, a higher deductible leads to lower monthly premiums, which is <a href=\"https:\/\/youset.ca\/en\/blog\/high-or-low-insurance-deductible\/\">why many people choose higher deductibles<\/a>. However, beware of going with a deductible you realistically can\u2019t afford or which will hurt you financially. Many people have an \u201cit won\u2019t happen to me\u201d attitude when it comes to insurance coverage, but you don\u2019t want the unthinkable to occur and then, on top of the stress of a break-in or an accident, be faced with an impossibly high deductible.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-opt-for-replacement-value-compensation\">Opt for replacement value compensation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cash value compensation means that you\u2019ll be compensated for damaged, lost, or stolen items at the original value at the time of purchase. <a href=\"https:\/\/youset.ca\/en\/blog\/what-is-replacement-cost-value-insurance\/\">Replacement value compensation<\/a> means you\u2019ll receive the value of the item at the price it would cost to buy it today. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, even if you bought your laptop for $800 back in 2019, you could receive $1,200 if that\u2019s what it costs today, if it was damaged or stolen as a result of a covered peril. For this reason, replacement value compensation is usually a better deal. \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-sufficient-coverage\">Get sufficient coverage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Some policies may only offer \u201cbare walls\u201d coverage, which means that only damage to the condo\u2019s walls, ceilings, and floors will be covered. This doesn\u2019t include furniture, cabinetry, lighting fixtures, and other construction details in your unit. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">So, make sure you\u2019re accurately assessing the value of your belongings, including high-value items like electronics and jewelry, and consider any additional coverage you might need. For instance, do you live in an old building that requires repairs? Is your area a known earthquake or wildfire area? These are all things you need to consider to <a href=\"https:\/\/youset.ca\/en\/blog\/how-much-coverage-for-condo\/\">ensure you\u2019re getting sufficient coverage<\/a>.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-shop-around\">Shop around<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Always compare quotes from different providers before settling on a policy. Remember that different providers will have different rates for different types of coverage. They also might offer discounts for first-time customers, or give you a special rate if you purchase multiple policies from them. You\u2019ll never know unless you see what\u2019s out there. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Fortunately, <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> makes it easy to compare various providers and prices in one place. With just a few simple questions, you\u2019ll receive a list of options that fit your criteria and match your budget. Once you find your perfect policy, you can purchase it right on our site. No unnecessary phone calls or paperwork needed.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve just bought a condo (congratulations!), you may have started looking around for the right home insurance to protect your investment. Home insurance isn\u2019t what you\u2019re after, though. What you need is condo insurance.\u00a0 So, what\u2019s the difference, you might ask? In this article, you\u2019ll find out what the&#8230;<\/p>\n","protected":false},"author":11,"featured_media":5495,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453],"tags":[],"class_list":["post-5299","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Condo Insurance vs. Home Insurance: What\u2019s the Difference? - YouSet<\/title>\n<meta name=\"description\" content=\"The difference between condo and home insurance is that condo insurance is intended for those who own a unit in a larger managed property.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/condo-vs-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Condo Insurance vs. Home Insurance: What\u2019s the Difference?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/condo-vs-home-insurance\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-02T05:01:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:10:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Condo-Insurance-vs.-Home-Insurance-Whats-the-Difference-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Condo Insurance vs. Home Insurance: What\u2019s the Difference?\",\"datePublished\":\"2024-05-02T05:01:54+00:00\",\"dateModified\":\"2026-03-16T12:10:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/\"},\"wordCount\":1063,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Condo-Insurance-vs.-Home-Insurance-Whats-the-Difference-YouSet.webp\",\"articleSection\":[\"Condo insurance\",\"Home insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/condo-vs-home-insurance\\\/\",\"name\":\"Condo Insurance vs. Home Insurance: What\u2019s the Difference? 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