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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
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Our Reviews
I've always had service handled in a good time frame. Changes for any vehicle paperwork has been done immediately.
I've never had a claim, so I can't comment on any handling in that nature.
I had great experience with Surex agent when I needed to change my insurance policy quickly to accomodate my needs.
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Manitoba condo insurance rates vs. other provinces
Province |
Average Rates |
|---|---|
British Columbia |
$840 |
Ontario |
$534 |
Alberta |
$493 |
Manitoba |
$404 |
Saskatchewan |
$491 |
Nova Scotia |
$501 |
New Brunswick |
$405 |
Prince Edward Island |
$484 |
See how our customers save big on condo insurance
Customer |
City |
Type |
Average rate |
Lowest Rate |
Savings |
|---|---|---|---|---|---|
Wenkouni |
Winnipeg |
Condo |
$1,120.00 |
$926.00 |
$194.00 |
Xiaobei |
Winnipeg |
Condo |
$974.00 |
$664.00 |
$310.00 |
Condo Insurance in Manitoba - What You Need to Know
Condo insurance in Manitoba can cost between $25-$35/ month. Condo insurance varies from one city/province to the next. The exact amount can vary, however, depending on various factors, including your location and insurance record.
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.
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.
There are so many types of condos, which means not all policies will cost the same. The factors that affect your condo insurance price include:
- Property Type
- Location
- Upgrades and Improvements
- Claims History
- Credit Score
- Building Construction
Condo insurance provides coverage for your personal belongings as well as any upgrades you have made to your unit. It also includes liability coverage and coverage for additional living expenses.
No, you cannot negotiate condo fees. And, they are never optional. Even though you move into a building with a pool, but never expect to use it, you still need to pay for its upkeep.
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Surex insurance tips & advice
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.
