Personal Insurance · Windsor-Essex
Condo Insurance
Coverage for what your corporation's master policy does not — your unit, your belongings, and your liability as an owner.
Condo insurance is for unit owners in Windsor-Essex — whether you live in the unit full time, use it as a secondary residence, or own it as an investment. It is designed around the split between the corporation's master policy and your personal interest in the unit.
What's covered
Condo unit-owner insurance fills gaps the corporation's master policy does not — your belongings, unit improvements, liability, and certain assessment exposures. Coverage, limits, and eligibility vary by insurer and policy.
Contents / Personal Property: The condominium corporation's insurance typically protects the building and common elements — not your personal belongings. Contents coverage on a condo unit-owner policy is intended to respond when your belongings are stolen or damaged by a covered peril, subject to limits, deductibles, and exclusions.
Contents / Personal Property
The condominium corporation's insurance typically protects the building and common elements — not your personal belongings. Contents coverage on a condo unit-owner policy is intended to respond when your belongings are stolen or damaged by a covered peril, subject to limits, deductibles, and exclusions.
Practical considerations
Master policy vs. unit policy
Review what your corporation insures — common elements, standard unit finishes, and liability for the corporation — so your personal policy complements rather than duplicates coverage.
Upgrades and betterments
Kitchen renovations, upgraded flooring, and custom built-ins may exceed standard unit definitions. Document improvements so contents and betterments limits reflect what you have invested.
Deductible assessments
Some policies include coverage if the corporation assesses owners for the master policy deductible after a claim. Limits and eligibility vary by carrier.
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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Your situation
Your property, belongings, or vehicle — and how you actually use them.
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Multiple insurance markets
Independent access to personal lines carriers — not one company's shelf.
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Premium broker
Windsor-Essex advice that explains options in plain language.
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Right-fit coverage
Coverage matched to your real risks — not a one-size template.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other personal coverage from Premium.
Condo insurance FAQ
Common questions about condo coverage in Ontario.
Yes — the corporation carries a master policy for the building and common elements. Your unit policy fills gaps: your contents, improvements inside the unit, personal liability, and often loss assessment coverage. What the master policy covers varies by corporation, so it is worth reviewing your status certificate and policy with a broker.
Ready when you are
Ready to protect your condo?
Tell us about your unit — we will compare options and explain how your policy fits with the corporation's master coverage.