Condo insurance in Ontario.
Compare. Insure. Own confidently.
One request. Objective comparison across 20+ Ontario condo carriers through our RIBO-licensed partner brokerages. Free, no obligation.
What your Ontario
condo policy must cover.
Ontario condos are governed by the Condominium Act, 1998 and overseen by the Condominium Authority of Ontario (CAO). Your condo corporation’s master policy covers common elements — but a personal Section D unit owner policy is essential for your unit, improvements, contents and liability. Placed by RIBO-licensed partner brokerages.
Unit + improvements/betterments
Covers original unit finishes plus everything you (or a previous owner) added — hardwood upgrades, custom cabinetry, renovated bathrooms. Value them at replacement cost.
Personal contents
Furniture, electronics, clothing, jewelry. Standard limits apply — bump to $50k–$150k depending on your inventory. Riders required for high-value items.
Personal liability
$1M minimum, $2M+ standard for Toronto/Ottawa units. Covers third-party injuries in your unit and lawsuits — a burst pipe damaging units below is a classic claim.
Loss assessment
If the corporation’s master policy deductible or damages exceed its limits, unit owners can be assessed. $25k–$100k coverage recommended — the master policy deductible has climbed sharply since 2020.
Additional living expenses (ALE)
Hotel, restaurants and moving costs if your unit is uninhabitable after a covered loss. Standard 12–24 months. Vital in a Toronto or downtown Ottawa market.
Water/sewer backup + overland
Ontario condos face flooding from balcony overflow, sewer backup and rooftop leaks. Two separate endorsements — both increasingly essential post-2020 climate patterns.
Three steps.
Zero friction.
You describe your unit
Two minutes to describe your Ontario condo, square footage, improvements and any high-value items.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage who compares 20+ condo carriers.
You compare
A partner broker sends the best coverage and price — no obligation to buy.
We serve every
major Ontario city.
They compared.
They saved.
“I owned a Liberty Village unit for six years — my broker restructured my policy and added loss assessment. Saved $220 and got better coverage.”
“Master policy deductible jumped to $50k. AccesDirect matched me with a brokerage who added assessment coverage — one call.”
“Downtown condo, higher liability limits than my last one — still cheaper monthly. Comparison is free, why wouldn’t you?”
Ontario condo insurance —
common questions.
How much does condo insurance cost in Ontario in 2026?
Is condo insurance mandatory in Ontario?
What is Section D and why does it matter?
What is loss assessment and do I need it?
What are improvements and betterments?
Does my policy cover Airbnb / short-term rental?
Do I need water backup coverage?
Is AccesDirect really free?
Compare Ontario condo insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.