Compare and purchase the best condo insurance rates in Winnipeg.

Regardless of the condo association coverage you have, you will need condo insurance to cover the personal contents in your unit. This can relate to property such as furniture, home entertainment systems, and clothing.

Condo insurance protects you from liability. In the event that someone gets injured while at your place, your liability coverage will help you with settlement costs. Be sure to choose a liability limit capable of protecting all your assets. This will help ensure your online quote's accuracy.

Again, depending on your condo association's policy, you can be covered for any upgrades and improvements you've made to your unit.

You can also get a quote to further secure your condo unit, in case your association's coverage doesn't protect you fully against loss or damage.

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! 

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.

On average, condo owners can expect to pay between $30 to $50 per month – or $400 to $600 per year – for a condo insurance policy. 

The average cost of condo insurance is approximately $30 to $50 per month, but the rate you'll be paying depends on a multitude of factors. To find the exact cost for yourself, be sure to compare personalized quotes with us using our condo insurance calculator. 

Yes, a typical condo insurance policy does cover appliances, not from wear and tear but from mechanical failure due to an insured risk. For example, if a power surge in the building ruins your appliances, you can submit a claim. If you're planning on upgrading your appliances, be sure to inform your provider ahead of time. 

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.