No matter what kind of home you live in, being protected brings peace of mind. For condo owners, having the right insurance coverage means feeling secure and confident that your space and everything inside it is safeguarded. While condo insurance is not legally required in Ontario, some condo corporations may require proof of coverage, and even if they don’t, it’s a smart way to protect yourself from the unexpected.

If your building’s insurance only covers common areas like the gym, lobby, or rooftop, you may be left vulnerable. It likely won’t cover your personal belongings, improvements you’ve made to your unit, or your liability as an owner. That’s where personal condo insurance comes in.

At Vanguard, we craft custom coverage plans based on your unique needs ensuring that you’re protected where your building’s policy stops.

Condo Insurance Coverage Options

Personal Liability: Protects you if a guest is injured or their belongings are damaged inside your unit and they take legal action against you.

All-Risk Coverage: Covers personal items and improvements you’ve made to your unit against a wide range of insured risks. Your broker will outline any exclusions.

Additional Living Expenses: Covers costs like hotel stays, meals, or temporary rentals if your unit becomes uninhabitable due to a covered incident.

Replacement Cost Coverage: Ensures your items are replaced with ones of equal quality and value no depreciation.

Why Choose Vanguard for Condo Insurance?

- Access to multiple quotes from trusted insurance carriers so you can choose the best fit

- A personalized plan tailored to your unit, lifestyle, and budget

- Hassle-free support from licensed brokers during the claims process

- Coverage for all types of condo builds—from high-rise towers to boutique buildings

Condo insurance bridges the gaps left by your building’s policy—helping you avoid unexpected out-of-pocket expenses. At Vanguard, we believe your coverage should be as unique as your home. Contact a Vanguard licensed broker today for a personalized condo insurance quote.