Condo Insurance In Barrie

Ready to settle down in Barrie? With a condo, you can enjoy a stress-free living situation while still investing in a property. Enjoy all the benefits of owning a property in Ontario without the hassle of maintaining a house.

Once you’ve found the perfect condo to call home, the next step is straightening out your insurance. At Westland Insurance, we can assist with that. We’ll help you find condo insurance that meets your goals, budget, and your lifestyle.

Buying a condo is one of the biggest investments you’ll make in your life. Make sure it’s protected with a comprehensive policy. If you’re looking for affordable condo or home insurance in Barrie, we’ve got you covered.

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What Does Condo Insurance Cover

Looking to find out exactly what you’re getting with condo insurance? We’ve got the answers you need down below.

Keep in mind that we’re going to describe what a basic policy provides; if you’d like to extend your coverage, that’s always an option.

Your condo insurance will include:

You only realize just how much stuff you have when you’re moving out. You fill box after box with your clothing, jewellery, and electronics.

Now, think of how much it’d cost to replace all those belongings. It adds up quickly!

With personal contents coverage, you won’t have to shoulder that cost alone. Protect your valuables with condo insurance. You’ll be reimbursed for belongings that are stolen in a break-in or damaged by a fire.

The great thing about owning a condo is you’re free to upgrade it how you wish. You don’t need to get your landlord’s permission before painting the walls, setting up a new shelving unit, or upgrading the lighting.

However, you still need insurance to cover those improvements. This policy will apply to any renovations you’ve made to the condo.

Lawsuits and property repairs are expensive. But with personal liability coverage, you can make sure you’re protected from these costs. This coverage applies when:

  • People who may be hurt in your condo decide to sue
  • You cause damage to the condo building and need to pay for repairs
  • You cause damage to another property or person when you’re in their home

If you have to leave your condo while it’s being repaired, you’ll need to pay for hotel fees and takeout meals. When your life is turned upside down, these costs add even more financial stress. But with condo insurance, your alternate living arrangements will be covered.

As a condo owner, you’re responsible for your unit, but you also contribute to the maintenance of common areas. If you need to pay for damages to these areas, this insurance will help cover your share. It will also kick in if there is a lawsuit against your condo corporation.

What It Does Not Cover

When you need to make an insurance claim, you want to ensure that you’ll be covered. But depending on your specific policy, your condo or home insurance coverage will vary. So, what falls outside of your insurance policy limits?

Your personal property coverage only reimburses you up to a set amount. If the cost of replacing your damaged belongings is more than this amount, you’ll need to pay out of pocket.

Not all perils are covered by a basic policy. This includes earthquake damage, overland flooding, or sewer backup damage. To be reimbursed for these claims, you’ll need to purchase the corresponding coverage add-on.

Coverage Options for Insurance

Looking to expand your condo insurance coverage? You can choose from the following add-ons:

  • Identity Theft
  • Home-Based Business
  • Watercraft
  • Overland Water
  • Sewer Backup
  • Service Line Coverage
  • Home System Protection/Home Equipment Breakdown
  • Condo Unit Owners Loss Assessment Coverage
  • Condo Unit Owners Improvement Coverage
  • Condo Deductible Assessment

Condo Insurance FAQ

Find out everything you need to know about your condo insurance policy below:

The answer will depend on the condo corporation of your building. If you’d like advice from one of our insurance advisors, give us a call!

You’ll need to talk to your condo board to get specifics; the answer varies depending on your building. But typically, you’re responsible for the contents of your unit and pay for maintenance of the common areas (the lobby, elevators, and any amenities).

This is a type of condo ownership where you own the single plot of land the condo unit is part of. Bare land condos usually have higher condo fees; you may need to pay for the maintenance of sidewalks and roads.

Lower the cost of your insurance with the following:

  • Mature customer
  • Claims-free
  • Local or monitored alarm
  • Sprinkler
  • Water leak detection device
  • Company loyalty
  • Bundle your condo and auto insurance

The condo corporation’s building is for the structure of that building. This is different from your personal condo insurance, which covers the contents of your unit and any upgrades you make.

Get an Insurance Quote Online With Westland Insurance!

With years of experience in the insurance industry, we know how to get you the best rates on condo, auto, and home insurance. On our website, you can request condo and home insurance quotes that are ready in minutes.

At Westland, we’ll help you find an insurance provider with reasonable rates and excellent coverage. To purchase home insurance or condo insurance in Barrie, contact us today!

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