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Types of coverage we provide
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
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
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.
Recent condo insurance quotes in Ottawa
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Save on Condo Insurance in Ottawa When You Shop with Surex
There are countless things to love about living in the beautiful city of Ottawa. Not only is it the capital of our great nation, but it's also home to a number of professional sports teams, popular travel destinations and renowned restaurants. If you're thinking about purchasing a condo in Ontario, Ottawa is a fantastic place to consider! But, if you're buying a condo in Ottawa, you'll need high-quality Ottawa condo insurance.
If you’re searching for the cheapest condo insurance Ottawa has to offer, be sure to reach out to your Surex insurance advisor today. We work with some of the top-rated condo insurance companies in Ottawa, 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 in Ottawa. We can provide you with quotes in ten minutes or less.
Condo Insurance in Ottawa — What You Need to Know
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 condo insurance quote in Ottawa to further secure your condo unit, in case your association's coverage doesn't protect you fully against loss or damage.
Yes, of course!
Most companies allow you to pay a number of different ways, however, this can be dependant on your payment/credit history.
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!
If you own a condo unit in Ottawa and are planning on renting it out, you should chat with your Surex insurance advisor about purchasing a landlord insurance policy.
Landlord insurance differs from condo insurance as it protects the property owner from various unique landlord-related risks, like lost rental income.
Rental income coverage: This coverage ensures that if there is a loss related reason that their tenants cannot stay living in the condo, like fire or water damage, then Rental Income coverage will pay the condo-owner their rent money until the tenant can move back in.
Damages coverage: If your tenant causes damages to your condo, the policy will extend to cover the cost of the repairs. For example, if the tenant drops a towel on a hot stove and it catches fire doing damage to the kitchen, for insurance to respond the condo-owner would need to make sure that they had a Landlord Condo insurance policy. If the condo wasn't insured properly on the Landlord form, the insurance policy would not respond and the condo owner would be required to pay for the damages themselves.
Liability Coverage: If your tenant causes damages to the building itself -exterior or interior common spaces - the condo corporation will come back against the owner of the condo to pay for the damages. The condo-owners policy will only respond if it is insured on a Landlord form.
The average price of condo insurance in Ottawa is approximately $26 per month. However, you should note that the rates listed on your condo insurance Ottawa quote may differ due to a number of unique variables.
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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.
