Condo Insurance
Specifically designed for condo owners, Duuo by Co-operators makes it easy to get your unit covered. Get a free quote now.
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Looking to save? Bundle on condo and auto!
Save up to 10% on your insurance when you bundle your condo and auto policies with Duuo by Co-operators*.
*Savings vary by province and by individual insurance profile, and may be greater or less than the advertised rate. Conditions, limitations, and exclusions apply.
What is condominium insurance?
Condominium insurance covers you against most situations you could face as a condo owner. With Duuo by Co-operators, you’re covered for the essentials, such as your responsibility for common area damage, coverage for unit improvements, and help with shortfalls in your condo corporation’s policy.
Why Duuo by Co-operators?
Underwritten by Co-operators, we offer condo owners a range of unique benefits.
Terms and conditions apply.
One-of-a-kind flood coverage
Protect your home from water damage caused by flooding.
Shrinking deductible
For deductibles starting at $1,000, your deductible drops by $100 each claim-free year.
Reliable customer support
We’re here for you! Whether you have a claim or need a policy question answered, our licensed reps are here to help.
Claims counselling
Speak to a licensed representative before claiming, with no impact to premiums if you choose not to proceed.
Commitment to sustainability
Our claims processes aim to minimize environmental impact, while our coverage helps you rebuild with sustainability and resilience in mind.
What’s covered?
Our condo insurance offers a comprehensive solution designed to fit your needs. This includes:
Improvements and betterments
Typically, unit improvements (such as installing new cupboards, carpet, etc.) are not covered under the condo corporation’s policy. This policy covers you for enhancements you may make to your unit.
Common property assessments
As a unit owner, you may be required to share the cost of repairing damage to other unit owners’ property. If the specific damage is included under your policy with us, you also have coverage to help with the cost of these assessments.
Limits may vary. Contact us for details.
Unit insurance
You may also be assessed to cover the cost of a shortfall in your condo association’s policy. Our policy covers these charges with some conditions and limits.
Deductible Protection Coverage
As a unit owner, you may be required to pay a portion of your condominium corporation’s insurance policy deductible. If your policy covers this type of loss, you have up to $25,000 in coverage.
We also have additional Increased Deductible Protection Coverage limits available. Contact us to discuss further.
Additional coverage available
If you own items like watercrafts, bicycles or jewellery worth more than what is covered under your personal property limits, you can purchase additional insurance to cover those items. Contact us for details.
Get in touch
Have a question about condo insurance or need help with your policy? Use our chat tool to reach out to our customer support team.
Condo insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions.
