Condominium insurance

Two insurance policies are in effect for condominiums, one for each co-owner's private portion and one for the condominium syndicate's portion.

The co-owners' insurance covers:

  • Personal property
  • Civil liability
  • Improvements made since the construction

The syndicate insurance covers:

  • Common portions: lobbies, corridors, stairs, roof, etc.
  • "Building" portion of the private portions: walls, floors, windows, etc.
  • Civil liability of the condominium syndicate

In case of loss, these two policies could split the compensation.

It's important to consult your declaration of co-ownership to know exactly which insurance covers each part of the building.

More information on condominium syndicate insurance.

Does your
policy cover an
Act of God?

Does your policy cover an Act of God?

All are sometimes referred to as Acts of God. Some are automatically included in home insurance policies. Others can be insured by adding a coverage known as an endorsement. Learn More

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