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Condo Insurance 

At Westland Insurance Group, we know that your condo and belongings represent your most valuable possessions. Which is why you need to have adequate coverage and a solid insurance company standing behind your policy.

We also know that not all insurance policies are equal. See how we stack up against our competitors’ standard condo insurance policies or learn more about our high-value condo insurance coverage.

Westland Insurance Group Key Features and Benefits

All Risk or Comprehensive Policy We cover your contents for “all risks”, not specific losses or “perils”
Off Premises coverage - contents We insure your personal property while temporarily away from your premises.
Replacement Cost – on contents We pay based on Replacement Cost on your contents, with no allowance for depreciation.
Special Levy Coverage We cover any special levy assessed by the Strata Corp. made necessary by a direct loss to the complex, caused by an insured peril or assessed due to a liability loss.
Improvement and Betterments We cover any improvements to your unit that are not covered by the Strata Corp.
Unit Owners Protection We cover direct damage to your unit, by an insured peril, if the Strata Corp. policy is inadequate.
Temporary Relocation Costs Protection We cover your additional expenses if you need to move out of your home as a result of an insured loss
Student Property We insure a student’s personal property while at school
Liberalization Clause If we increase any included coverage, you immediately get that coverage – at no extra charge.

Westland Condo Insurance Comparison

Feature

Westland

Standard Competitor Policy
Personal Liability $2 million included with base policy $1 million or less included with base policy
Silverware $100,000 $25,000 or less
Personal Computer Hardware No limit $5,000 or less
Spoilage of food in refrigerator or freezer $5,000 $1,000 or less
Wine Spoilage $1,000 Not Available
Student Property $5,000 $3,000 or less
Property in Storage $5,000 Not available. Must buy separate storage policy
Parent Property in a Care Facility $5,000 Not available
Property in a Care Facility $5,000 Not available
Credit/ Debit Card Protection $10,000 $5,000 or less
Lock replacement $2,000 $1,000
Bicycles $2,000 per item $1,000. per item or less
Theft from Vehicle $10,000 if in a locked trunk $3,000 or less
Jewelry $7,000 $5,000 or less
Identity Theft $25,000 Must buy separate coverage
Extended Care Facility Protection – Contents westland-exclusive N/A
Contents in Storage westland-exclusive N/A