Compare and purchase the best condo insurance rates in Charlottetown.
Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation
Recent condo insurance quotes in Charlottetown
Recent quotes coming soon.
Please check back at a later time.
Our Reviews
I had an outstanding experience with Surex, especially thanks to my broker, Dayana. She was professional, knowledgeable, patient, and incredibly responsive throughout the entire process.
Dayana took the time to explain everything clearly, answered all my questions promptly, and help me find the best possible option for my needs.
What really stood out was her dedication and customer service, it genuinely felt like she cared about helping me, not just closing a sale. The whole experience was smooth, stress-free, and much better than I expected when dealing with insurance.
I highly recommend Surex, and especially Dayana, to anyone looking for reliable and professional service.
Thank you again for all your help!
I’m very satisfied with the service I received from Surex, especially from Dayana Nunez.
Her professionalism, attention to detail, and willingness to help made the entire process smooth and stress-free. She was always patient, clear, and very knowledgeable throughout every interaction.
Beyond her excellent service, her warm personality during our calls was truly an added value and made the experience even better. It’s not often you come across someone who combines professionalism with such a kind and positive attitude.
Highly recommended.
Erich was amazing to work with - great response time and a really fast turnaround for getting us what we needed with regards to our home insurance. Highly recommend working with Erich!
To whom it my concern. I would like to take a minute and say thankyou for the always very friendly and exceptional service i recieve from Patti Gustafson. It's always a pleasure and i'm always well informed. Koodo's to a great lady! Thankyou, Dale Goodsell.
Took less then 30 minutes when I bought a new truck and needed insurance right away to pick it up. They always respond and answer any questions in a timely matter. Would rate higher if I could, I have had 0 issues.
Get the best rates from Canada’s top insurance providers
Save on Condo Insurance in Charlottetown When You Shop with Surex
Charlottetown, the capital of Prince Edward Island, is located on the province’s south shore and is home to nearly 40,000 residents. Known as the birthplace of Canada, it hosted the Charlottetown Conference, the first meeting of the Confederation. This historic event is commemorated through various landmarks, including buildings, a ferry, and the Confederation Bridge.
For outdoor enthusiasts, the Confederation Trail offers over 400 kilometers of scenic walking and cycling paths that span the entire island. One of the perks of island living is that every major attraction is less than a half day’s drive away!
Charlottetown has earned a reputation as one of Canada’s top cities to live in. It’s an ideal place to raise a family, with abundant green spaces, quality higher education institutions, a growing population, a strong economy, and an affordable cost of living.
At Surex, we work with some of the top-rated Charlottetown condo insurance companies, making it easy for us to offer quotes for high-quality, low-cost coverage. Contact your personal Surex insurance advisor today to learn more and to start shopping around for condo insurance quotes in Charlottetown. We can provide you with quotes for condo insurance in Charlottetown in ten minutes or less.
Condo Insurance in Charlottetown — What You Need to Know
Yes, while condo insurance isn’t mandatory, if you have a mortgage your lender will require it.
Now, a few tips - your condo association will have a master insurance policy, but it may only cover the basics. Some associations will buy a more a policy that also includes more basic items within each unit, such as appliances, carpets, cabinets, or interior walls.
Always best to find out the scoop, and then chat with your Surex Advisor to figure out what's right for you!
The average condo insurance rate in the province is approximately $500 annually. PEI has relatively cheap condo insurance rates compared to other provinces. Being a coastal region, it faces unique weather risks making it important to consider comprehensive coverage.
Condo insurance protects the units within a condo building. You would get it to protect your contents such as appliances, clothing and furniture (and would also cover items stored in a locker).
It would also provide additional living expenses in the event of an insured loss (if you had to temporarily move out) as well as the condo owner's liability for any bodily injury or property damage that was unintentionally caused by others in the building.
Most insurers provide coverage for pets if notified beforehand. However, there are limitations on the type and breeds of pets that will be insured. While most insurers provide coverage for dogs, there are limitations based on the type of breeds. Pit bulls, for instance, may be difficult to insure given the perceived higher risk of bites. Also, most insurance providers have limitations on the type of pets that can be insured.
There are a few factors that determine your monthly condo fees, they include:
- The size of the building (a larger building has more owners to share the cost)
- The age of the building (newer buildings may have lower fees)
- The amenities
- The neighbourhood
You can reduce the cost of your condo insurance without increasing your deductible. Minimizing the probability of accidents from occurring is a clever way to reduce the cost of insurance. For instance, installing a fire alarm system and security system ultimately reduces the chances of fire-related accidents and theft. Note: This has to be a centrally monitored alarm with a valid certificate to qualify for the discount in Ontario.
These questions may seem complicated, especially for a first-time homebuyer. To ensure you get your condo insurance needs right, always work with a reputable insurance provider or agent.
Compare 10+ quotes and
speak to a dedicated advisor
Underwriting Specialist
Helpful condo insurance guides
Explore helpful guides that explain how condo insurance works in Canada, including coverage basics, cost factors, and common policy terms.
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
