Condo Insurance

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Easily obtain Condo Insurance quotes through HWICLICK’s online platform!

Receive a quick, safe, and no-cost quote. Our online portal grants instant access to your policy documents and allows you to make updates at any time, day or night.

Click on one of the below topics to unpack your Condo Owner insurance:

Belongings & Contents

Contents or belongings insurance is a specific amount to replace your clothes, furniture, TV, appliances, etc. Our personal belongings might cost tens of thousands of dollars to replace. This coverage cannot be removed from your Condo insurance policy; however, you can choose the coverage limit.

Click here to see our downloaded checklist to help determine where to start.

Condo Liability

To be liable means simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

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Personal Valuables

Personal Valuables/Increased Limits Coverage enables you to increase the insurance amount for a specific high-value item that would otherwise surpass the limit provided in your base policy.

– Fine Jewellery
– High-value watches
– Wine and Spirits
– Works of Art
– Bikes

Sewer Back-Up

Living in a building with shared plumbing means you can’t predict what may be going down the drain. But when it comes back up, it’s gross.

Root growth, blockages, or even breaks in pipes exiting your property or apartment building can cause backups in kitchens, laundry rooms, or bathrooms. A standard insurance policy doesn’t provide coverage automatically, but you’ll often be able to purchase coverage as a rider.

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Identity Theft Rider

Identity theft is becoming more and more prevalent today. From all the information we put on Facebook to someone stealing your wallet or the mail out of your mailbox, there are unbelievable ways they may try to steal your identity.

For example, you can be reimbursed for obtaining credit reports, notarizing affidavits or other documents used for law enforcement agencies.

In case of any discrepancies between this rephrased text and the official documentation provided by your insurer, please refer to the latter as it takes precedence.

Loan Protection

Do you have a mortgage?  If yes, you might have also signed up for a form of Life Insurance!

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance.

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What is the contingent coverage for my condo?

This coverage is designed to protect your interest in your unit if your condominium corporation has no insurance, its insurance is inadequate, or it is ineffective. Coverage for the original unit, such as the walls, original floors, plumbing, etc., is typically insured by the condominium corporation’s master policy. But if a loss happens and your condo board advises you that the building insurance isn’t cut it, they will assess the remaining cost of the damage back to you.

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rental condo interior

What is condo loss assessment coverage?

Also known as Condo Special Assessment Insurance, this coverage responds when a loss to collectively owned condo property is lost, and the condo corporation’s insurance isn’t enough. For example, this coverage protects areas like parking lots and pools. If your condo corporation’s insurance does not cover the total repair cost, it will assess the cost of the damage back to all the unit owners.

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parking lot interior

Safeguard your condo: locate insurance options in your area.

Don’t let unforeseen circumstances weigh you down. Our team of insurance professionals will collaborate with you to identify the most suitable coverage for your condominium requirements. Speak to an advisor today to get started!

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