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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 Mississauga
Our Reviews
Surex and I have been doing business for a few years now. They answer my calls and if necessary. Very polite and knowledgeable. My paperwork always arrive in prior to renewal and is accurate. They have very good rates.
Ashley Bushfield at Surex is pure magic. She's a miracle worker — I don't know how she does it, but she gets things done.
From day one she was on top of everything. Quick replies over text, always knew exactly what was going on with my file, and got things sorted fast. I never had to chase her for anything, which meant everything to me when I was stressed out.
She's so easy to reach. Text her and she gets right back to you, no phone tag, no waiting on hold. Things are just so easy with Ashley. She went out of her way to deal with problems that weren't even hers — fought to fix messes she didn't create, just because she cared about getting it right for me.
She's an example of what real customer service is supposed to be. It's rare to find someone who actually cares like this. Surex is lucky to have her — I hope her managers know what they've got.
If you want a broker who'll look after you, ask for Ashley. I can't recommend her enough — she's the best.
Patti was an absolute pleasure to work with! My husband and I were getting ready to put an offer on our new home and needed to secure insurance before we could comfortably move forward. We quickly learned just how fast things move in the real estate world, especially while juggling two kids and busy work schedules!
Patti walked us through everything step by step and even gave us the gentle nudges we needed to stay on top of forms and deadlines. She was incredibly patient, kind, professional, and had such a great sense of humour throughout the entire process.
In such an AI-driven world, it felt especially meaningful to have a genuine human connection while navigating such a big milestone for our family. Patti truly is the epitome of professionalism and such a positive representation of your company.
Thank you so much, Patti, for making the insurance side of purchasing our new home feel easy and personal. We genuinely appreciate you!
My experience from start to finish was wonderful. Ashley who helped me was transparent and clear about coverage, premiums and more. I’m glad someone has recommended Surex and Ashley to help me.
Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela
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Mississauga is part of the GTHA and its close proximity to Toronto has contributed to its vast growth over the years. Like Toronto, Mississauga is a large multicultural city with over 800,00 residents and is home to Canada’s busiest airport. There is lots to do in this vibrant city from lakefront activities, and walking the many outdoor trails to visiting charming little cities along the way! The city centre has Mississauga Celebration Square which hosts multicultural festivals and has a skating rink in the winter. It is also a popular shopping destination with several large malls, one of them being Canada’s second-largest shopping centre.
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 Mississauga - 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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