Your time is valuable, and we have new options available. Our customers can access their policies online to make self-service changes via HUB MyAccount, or contact us via alternate methods here.

Skip navigation

Compare Top Brands

Aviva Logo
Economical Logo
Pafco Logo
Pembridge Logo
Travelers Logo

Get 7+ Condo Insurance Quotes in 3 minutes

Let’s get Insurance Hunting!

1. Complete our condo insurance form

Answer a few simple questions about your insurance history

2. Insurance professionals hunt for your best rate

We’ll return you some quotes from insurers near you

3. Decide on your package and any available discounts

Pick the best policy at the best offer price

4. Ask professional insurance brokers any outstanding questions

We’re ready to assist you with any questions

5. Review and finalize your rate

Get your new condo coverage and start protecting your unit

We gather quotes from the top insurance providers in Canada using state-of-the-art comparison technology. The result: you receive some of the cheapest condo insurance quotes on the market.

Our HUB Insurance Hunters have one goal in mind: getting you the proper coverage at the lowest price. We help you find the best offers, and identify the discounts you’re eligible to receive. We’ll also offer you tips to help save even more on your condo insurance coverage.

Getting quotes from multiple insurance providers is the quickest way to save on condo insurance.

Businesswoman using computer in office

Why HUB Insurance Hunter?

No sales pitches

  • Over 7+ Condo Insurance Quotes in less than 3 minutes
  • Potential savings of $100+ on your condo insurance premium

Qualified, professional service

  • Get quotes from the top condo insurance providers in your area
  • Get quick access to unbiased, fully-licensed insurance professionals

Safe and secure

  • Your information is never shared or sold to third parties
  • Get an up-to-date quote any day of the year

Why do I need condo insurance?

Father and son playing guitar

You may think the condo fees you pay provide you with insurance coverage, but this is not the case.

In fact, mandatory condo fees only pay for the shared amenities and structural components of your building - things like lobbies, communal areas, hallways, exterior windows, pools and fitness equipment.

The interior of your unit, and any of the contents inside of it, still need to be insured by you personally.

What is the difference between my condo’s corporation insurance and my personal insurance?

There are two main condo insurance types, and we know it can get a bit confusing.

As a condo owner, you need to be aware of the differences between insurance types, and what they cover. The first is your building’s master policy. The second is your own personal policy that covers your unit.

Birds eye view of city

1. The Condo Corporation Master Policy. This is the policy the condominium association carries on the building and the surrounding property. It's important to know what it does and doesn't cover in your unit. There are two basic types of master policies:

The 'walls-in' condo master policy, also called a 'single-unit' master policy, which covers some built-in parts of your condo unit, such as plumbing, wiring, carpeting and appliances.

The 'bare walls' condo master policy, which does not cover anything contained within your unit's walls, but may cover your drywall. Some of these policies may also cover basic electrical systems and plumbing.

2. The Condo Owner's Insurance Policy. This is the policy that individual condominium owners like you need to buy. The fancy term for this type of insurance is "HO-6." The HO-6 policy covers the full interior of your unit, including walls, floors and ceilings, against damage from a variety of hazards, such as water, fire and theft. Your personal property inside the condo is also covered. HO-6 policies also provide liability coverage in case someone is injured in your unit.

What does condo insurance protect?

Condo insurance covers you for:

Damage to your unit’s interior

If it’s your fault or the fault of someone else

Replacement or repair for lost or damaged items

as a result of hazardous activity or theft


If someone is injured in your condo, your condo insurance policy will pay medical and/or legal bills on your behalf

Here's a comprehensive rundown of the items covered by a standard condo owner’s insurance policy:

  • Interior walls, flooring and carpets
  • Appliances
  • Your personal property in the condo (furniture, clothing, electronics, etc.)
  • Repairs to walls, damaged floors, electronic equipment and windows
  • Living expenses if you should need to temporarily relocate while your condo is being repaired
  • Meals you need to buy if you can't live in the condo following a claim
  • Liability payments

How do I prepare a condo insurance claim?

Making a condo insurance claim is always easier if you're prepared ahead of time. Here are some simple things you can do to make sure your claims process goes as smoothly as possible. The key is to provide proof of your losses so that you'll get fairly reimbursed for your claim.

Woman answering phone call while writing in book at home

Having a complete list of your possessions makes the claims process a breeze if the time ever comes to file.

Save receipts for your more expensive purchases so you have proof of value.

Videos and photographs of your home and the possessions within help accelerate the claims process.

Getting collectibles, jewelry or valuable artwork appraised shows proof of worth if you don’t have receipts.

Making a condo insurance claim is always easier if you're prepared for it ahead of time. Here are some easy things you can do to make sure your claims process goes as smoothly as possible. The key is to provide proof of your losses so that you'll get fairly reimbursed for your claim.

How do I make a claim?

If you’ve maintained organized records, making a condo insurance claim is a straightforward process. If there has been any criminal activity or physical hazard, you need to call emergency services before calling your insurance provider. Having police or hospital reports are beneficial to the claims process.

1. Write down claim details

If an adjuster calls seeking clarification, having written details handy will save you the hassle of trying to remember everything. Write down what happened as soon as possible.

2. Give your insurer your policy number

Find your policy number from one of your bills. It’ll get the claims process started quickly.

3. Collect your receipts and show proof of ownership

Your insurer will want to see the records you’ve been keeping. This means pictures of your things, the appraisals for collectibles or antiques, and all the receipts you can find that match up with the stolen or damaged items.

What determines my condo insurance rate?

The cost of condo insurance ranges from $100 to $400 per year on average. This means you only have to pay $10 to $30 per month to have all your prized possessions protected!

Some of the information used to calculate your rate are:

Man sitting in room under renovation

A higher valuation of your condo and the contents within means your insurance company will have to pay more to repair and replace your possessions in the event of a loss. The amount you pay for your policy will reflect this value.

Your neighbourhood tells insurers how risky you are to insure, based how many claims come from your area. Further, your proximity to fire hydrants and fire stations impact your premium as well.

Insurance companies look at how your building was constructed, how modern its fireproofing is, what kind of security is installed throughout, and what kind of heating/AC, plumbing and electrical components have been installed.

Have you ever made a frivolous claim? Do you simply live in a high risk area? If you’re making more claims than the average policyholder, the insurer may view you as riskier to insure. The result will be a higher premium.

Though most insurance companies consider the same factors when determining the cost of a condo insurance policy, they may weight them differently. That’s why the best way to find a cheap rate is to shop around and get quotes.

Am I legally required to have condo insurance?

Some types of insurance are mandatory in Canada, but condo insurance isn’t one of them. It is perfectly legal to own or rent a condo without insurance, though doing so isn’t always possible.

Many condo buildings require proof of insurance before letting you move in. This is similar to how home insurance is usually a requirement for obtaining a mortgage when buying a detached house. Luckily, condo insurance tends to be cheaper than home insurance because there is no exterior to protect, so covering yourself shouldn’t be difficult. Especially if you take the proper steps to save money on your policy

How can I save money on condo insurance?

Condo insurance doesn’t have to break the bank. You can reduce your premiums by following these tips:

Remember to ask our insurance experts how to get the best deal on condo insurance when obtaining quotes.