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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 Lethbridge
Our Reviews
Devansh Soni sales representative was very helpful to me showing high professional customer service especially in providing and explaining the terms of the contract and speed in responding to my emails. Thanks Devansh Soni
My agent, Devin Jeffrey, was really knowledgeable, patient, kind, and goes the exra mile to help me out. I had a really smooth and easy time when I was dealing with him. 5Stars for him.
I was very happy with the service I received from Mariam C out of Edmonton. She was very easy to talk to and to get in touch with. A very knowledgeable lady and a pleasure to deal with.
Would highly recommend!😊
I had an excellent experience with Surex, thanks to Dayana Nuñez. She was professional, knowledgeable, and incredibly patient throughout the entire process. She took the time to answer all my questions, explained my coverage options clearly, and helped me find the best solution for my needs without making me feel pressured.
One thing that really stood out was that she speaks Spanish, which made the entire experience even more comfortable and stress-free. It's a huge advantage for Spanish-speaking clients.
I highly recommend Surex, and especially Dayana, if you're looking for outstanding customer service and a smooth insurance experience.
Ashley was so lovely. It is my first time owning and registering my car for insurance. She walked me through every step of the way and helped me get the best price. She is amazing at what she does and I will be telling people to go with Surex from here on out. Thanks so much Ashley. I couldn’t have done it without you.
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Lethbridge is a growing city in Alberta, with just over 100,000 residents. It is located southeast of Calgary on the Oldman River. The Oldman River divides the north and south sides from the west side. Lethbridge is a safe and family-friendly city that has many parks and recreational activities. Because of its location (the surrounding Canadian Rocky Mountains), the city is known for its sunny and dry climate. With more than 320 days of sunshine, Lethbridge has warm summers and mild winters. Lethbridge has a low cost of living and affordable housing. There are also lots of job opportunities and residents enjoy a low tax rate. Definitely more pros than cons to living here!
Condos are a popular choice among people who either want to downsize, who don't want a lot of yard work and house maintenance, and who like the amenities that a condo building provides! It gives people the opportunity to embrace homeownership without the hassle of menial tasks such as yard work, snow removal, or home repairs - you just have to worry about your own living space.
Condo insurance in Lethbridge - What You Need to Know
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.
No, condo, home, or tenant insurance is not mandatory in Canada, although the condo association, or the owner of the condo, may require you to have to move in. You also need insurance to secure a mortgage to purchase a home or condo. So, even though it is not legally required to have, there are other outlets that may require the homeowner to purchase it.
If you own a condo or rent a house or apartment, some landlords may require tenants to have tenant insurance before moving in and condo corporations and lenders may require condo unit owners to show proof of insurance before moving in as well.
You do not want to get stuck with condo insurance that provides unclear provisions on what is covered and what is not. Your condo insurance should provide coverage for:
- The contents in your condo- All contents inside the condo including but not limited to electronics, furniture and clothing are protected against perils such as theft, fire, explosions and water damage caused by overflows and bursting pipes, up to the insured amount. Contents such as fur and jewelery will often have specific limits of coverage that can be increased for an additional premium. Also, be keen on other exclusions such as computers, cameras and recording equipment, especially for people who work from home.
- Personal liability- Personal liability provides coverage for bodily injury to other parties such as visitors and neighbours. For instance, your visitor may trip over a rug and sustain injuries. Your bathtub may overflow and cause water damage to the apartment below, inflicting damage worth tens of thousands. This insurance will provide coverage for such unpleasant occurrences.
- Walls and floors- The condo owner is responsible for insuring their specific condo unit, including fixtures, floors, walls, ceilings and appliances.
The common property of a condominium are areas that are available for all unit owners to use. Some examples include areas such as the lobby, elevators, outdoor gardens, swimming pools, fitness centre, and other recreational facilities. Every condominium has different amenities available, and different condo fee prices for the unit owners. Condo unit owners share the expense of maintaining common areas by paying monthly maintenance, or condo fees.
Condo building insurance is different. This is purchased by the condo corporation to cover damage to the building and the common areas and liability on the property. This is usually included in the monthly condo maintenance fees.
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Helpful condo insurance guides
Explore helpful guides that explain how condo insurance works in Canada, including coverage basics, cost factors, and common policy terms.
Online insurance looks easy, but direct buying can leave you undercovered when claims happen. Working with a broker ensures your policy actually protects you.
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.
