Condo coverage
Your unit. Your belongings. Your protection.
The building's master policy covers the structure. Everything inside your walls — your finishes, your belongings, your liability — is on you to protect.
Why it matters
Why is condo insurance important?
Owning a condo means sharing one policy and owning another. Knowing where the building's ends and yours begins is everything.
Your condo corporation's master policy typically covers the building's shared structure — not your personal belongings or the upgrades inside your unit.
Many financial institutions require proof of condo insurance before lending you money to buy a condo.
If you're found responsible for accidentally injuring someone or damaging their property and are sued, this coverage can help protect you financially.
Your unit, your responsibility
From the drywall in, your condo is yours to protect — the floors you chose, the things you own, and everyone who visits.
How to buy
Get covered in 3 easy steps
Three short steps between you and a condo policy built around your unit and everything in it.
Tell us about your unit
Answer a few questions about your occupancy type and personal belongings, then share some personal details to get an accurate quote.
Customize your coverage
Adjust limits, pick a deductible and add the extras that fit how you live — see how each choice shapes your protection.
Confirm and finalize online
Review everything, bind your policy online, and your proof of insurance is ready in your EverNorth account right away.
Save & earn
Save on coverage
Simple ways to lower what you pay without trimming the protection your unit actually needs.
Bundle and save
Combine your condo insurance with an auto policy and you may be eligible for a discount. Only need condo coverage? You can still qualify for savings on your own.
EverNorth Rewards
Loyal, long-term customers may be eligible for additional savings over time.
Fills the master-policy gaps
Personal condo insurance starts where your corporation's policy stops — your belongings, your upgrades and your liability.
What's covered
Get customized coverage for your condo and your stuff
Personal condo insurance from EverNorth can include:
Personal Belongings
Helps repair or replace your furniture, electronics, clothing and other contents if they're stolen or damaged by a covered loss.
Improvements & Upgrades
Covers the value of betterments you've made to your unit — new floors, custom cabinetry, renovated bathrooms — above what the master policy restores.
Personal Liability
Helps protect you financially if you're found responsible for accidentally injuring someone or damaging their property.
Loss Assessment
Helps cover your share when the condo corporation levies a special assessment for a covered loss to common areas or the building.
Water Damage & Sewer Backup
Protection for damage from backed-up drains or overflowing fixtures — and help if a leak in your unit damages your neighbour's.
Additional Living Expenses
If a covered loss makes your unit unlivable, helps pay for temporary accommodation and extra costs while repairs are made.
Make it yours
Optional coverages
Add any of these to your condo policy while you build your quote.
Condo discounts
Discounts your unit may qualify for
Answer a few questions in your quote and we'll apply every condo discount you're eligible for automatically.
Combined Policy
Bundle your condo insurance with an auto policy and you may save on both.
Claims-Free
A clean claims history may qualify you for savings on your condo policy.
Security Systems
Monitored alarms, leak detectors or a doorman building may earn you a discount.
New Building
Recently built buildings with modern systems may qualify for savings.
Buy Online
Getting your quote and binding your policy online with EverNorth may qualify you for a discount.
Mature Resident
Long-term residents over a qualifying age may be eligible for additional savings.
Condo FAQs
Answers before you even ask
The questions condo owners ask most — answered in plain language.
Ready when you are
Protect your unit in about three minutes
Answer a few questions, customize your coverage, and walk away with proof of insurance — all online, no sales calls.