Condominium Insurance Specialists
As a local, family-run brokerage offering condo insurance in Ontario, PetleyHare brings over 100 years of experience helping condo owners protect their units with confidence. We understand how condo corporation policies work and where personal coverage fits in.
Our brokers explain how your personal condo policy works alongside your condo corporation’s master policy, so there are no gaps or overlaps in coverage.
What Is Condo Insurance?
Condo insurance, also known as condominium insurance or condo owner insurance, is designed to cover what your condo corporation’s policy does not. Condo house insurance typically includes coverage for unit improvements, personal property, and condo insurance liability coverage if someone is injured in your unit.
Ontario condo insurance may also include protection for loss assessments and support through the condo insurance claims process. A condo insurance broker can help explain how your personal policy works alongside the building’s master policy, including options for condo landlord insurance if your unit is rented.
Condo Owners Insurance Coverage
Condo owners face unique risks that differ from those of detached homeowners. That’s why we offer a range of protection options designed specifically for condo living.
Coverage Options
Personal Property Protection
Protect the contents of your unit—from everyday essentials like furniture and appliances to valuables like electronics, jewelry, and collectibles. If these items are stolen, damaged, or destroyed, this coverage helps repair or replace them.
Liability Coverage
If someone slips and falls in your unit or if you accidentally cause damage to another unit or common area, liability coverage steps in. It helps cover legal fees, medical expenses, and settlement costs.
Improvements & Betterments
Upgraded your flooring, cabinetry, or fixtures? Improvements made to your condo that aren’t covered by the building’s master policy can be protected under this specialized coverage.
Additional Living Expenses
If your condo becomes uninhabitable due to a covered event—like fire or flooding—this coverage helps pay for temporary housing, meals, and related expenses.
Loss Assessment Coverage
Condo corporations may charge unit owners a portion of costs for shared property damages, liability claims, or deductibles. Loss assessment coverage helps cover your portion of these unexpected costs.
Note: If you're renting out your condo, you may need a different type of insurance policy. PetleyHare offers landlord insurance separately—speak with a broker to ensure you're getting the right protection.
Types of Policies
Personal Property Insurance
Your belongings make your condo feel like home. This policy ensures that if they’re damaged or stolen, you’re not left footing the bill.
Liability Coverage
From slips and falls to water damage leaking into another unit, liability protection helps cover the unexpected.
Upgrades & Renovations Coverage
If you've invested in custom improvements, this policy extension ensures those enhancements are protected just like the rest of your unit.
Why Choose PetleyHare for Condo Insurance?
Over a Century of Local Ontario Experience
With deep roots across the province and over 100 years of experience, our brokers understand Ontario condo insurance regulations, building bylaws, and condo corporation requirements.
Real People, Local Offices
We’re not a call centre. Our teams in Oshawa, Port Perry, and Coboconk provide personal service and advice you can rely on.
Clear, Practical Guidance
We explain condo homeowners' insurance in straightforward terms, helping you understand coverage, limits, and responsibilities.
Choice Through Multiple Insurers
As an independent brokerage, we compare condominium insurance options from trusted carriers to find coverage that fits your needs.
Learn More About Our StoryFiling a Condo Insurance Claim Is Simple
When something unexpected happens—whether it's water damage, fire, or theft—knowing what to do next can be overwhelming. That’s why we’ve made our insurance claim process as straightforward and supportive as possible.
Our team is here to guide you through every step. From the very first call, you’ll have a real person on your side, making sure nothing slips through the cracks.
How to File a Claim
Step 1: Reach Out Right Away
Contact us to report the incident. We’ll gather the initial details and explain what to expect.
Step 2: Document the Damage
Take photos, gather receipts, and write down what happened. Shannon will guide you on what’s needed and help organize everything for submission.
Step 3: Assessment & Coordination
We’ll work with your insurer to arrange any inspections, connect with adjusters, and ensure that everything is handled efficiently.
Step 4: Ongoing Support
We'll continue to stay in touch and advocate on your behalf throughout the process. While timelines can vary depending on the situation, our priority is ensuring you're informed and supported every step of the way.
Protect Your Condo with the Right Insurance Coverage
Your condo isn’t just four walls—it’s where your life happens. Whether it’s your first home or your retirement oasis, make sure it’s properly protected.
At PetleyHare, we help you find the best-fit coverage from Canada’s top insurance companies, tailored specifically to your condo ownership needs. Let’s build a plan that works for you. Start your quote now, or update your existing policy.
Ontario Condo Insurance FAQs
Is Condo Insurance Mandatory in Ontario?
While not legally required, condo insurance is often mandated by condo associations. It fills the gaps left by the building’s master policy and protects your personal belongings, upgrades, and liability.
What Does Condo Insurance Cover?
Condo insurance typically covers personal property, liability, improvements made to the unit, loss assessment for shared areas, and additional living expenses if your unit becomes uninhabitable.
How Much Condo Insurance Do I Need?
It depends on the value of your belongings and any upgrades you’ve made. Our brokers help you assess your needs and choose the right level of protection.
How Much Does Condo Insurance Cost in Ontario?
The cost varies based on location, deductible, coverage limits, and optional add-ons. On average, premiums range from $20 to $50 per month.
What’s the Difference Between Condo Insurance and Home Insurance?
Condo insurance is designed for shared buildings and focuses on your unit’s interior, personal property, and liability. Home insurance covers an entire house and the land it’s on, which is ideal for detached homeowners.
Serving Durham Region and Communities Across Ontario
PetleyHare supports condo owners throughout Durham Region and across Ontario. With offices in Oshawa, Port Perry, and Coboconk, our condo insurance brokers offer local support backed by long-standing experience. Our team works with clients across urban and rural communities, helping arrange condominium insurance that Ontario residents can feel confident about.
Oshawa (Office)
Coboconk (Office)
Port Perry (Office)
Whitby
Bowmanville
Kawartha Lakes
Pickering
Cobourg
Courtice
Newcastle
Brooklin
Uxbridge
Ajax
Let’s Talk About Your Condo Insurance
Your condo deserves coverage that reflects how you live and what you own. Our brokers are ready to walk you through condo insurance solutions, explain coverage options, and help you move forward with confidence. Reach out today to speak with a condo insurance broker and arrange condo insurance in Ontario that fits your needs.
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