Owning a condo in Ontario is a big deal, and protecting it should be easy. At PetleyHare, we specialize in condominium insurance that fits your lifestyle. Whether you're a first-time buyer or a long-time condo owner, we’re here to help you get the coverage you need without the confusion.

Our team works closely with you to understand your unique needs, offering expert guidance and multiple policy options from Canada’s leading insurance providers. We’re your neighbours, and we’re here to help you protect what matters most.

Condominium Insurance Specialists

As a local, family-run insurance brokerage with over 100 years of experience serving communities across Ontario, PetleyHare understands the ins and outs of condo living. We’ve helped condo owners across Durham Region and beyond find insurance solutions that protect not just their unit but their lifestyle.

Every condo is different—and so is every policy. Our brokers take the time to explain your options in plain language, ensuring you get coverage that makes sense for your property, budget, and peace of mind. Whether you’re upgrading your unit or just moving in, our tailored condominium insurance options offer flexibility and confidence.

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.

Most house insurance policies come in package formats with standard coverages built in.

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.

Trusted Condominium Insurance Ontario

For over a century, PetleyHare has been a trusted name for Ontario residents looking for reliable, easy-to-understand insurance. We’re not a call centre—we’re your neighbours. Our teams in Oshawa and Port Perry provide local service with a personal touch.

When you work with PetleyHare, you’re getting a partner who understands Ontario condo insurance regulations, strata requirements, and what truly matters to you. We make the complex simple so you can focus on enjoying your condo lifestyle.

Filing 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 claims 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

  1. Reach Out Right Away

    Contact us to report the incident. We’ll gather the initial details and explain what to expect.

  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.

  3. Assessment & Coordination

    We’ll work with your insurer to arrange any inspections, connect with adjusters, and ensure that everything is handled efficiently.

  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.

Need help now? Start a Claim

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.

Oshawa Office | Port Perry Office

Ontario Condo Insurance FAQs

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.

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.

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.

Do I need condo insurance if my condo has a master policy?

Yes. The master policy typically only covers the standard condo units and common elements of the building. Your own policy is necessary to protect your belongings, liability, and any additional improvements over and above the standard unit.

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.

Can I save on condo insurance?

Absolutely. Bundle your condo insurance with auto or other policies for a discount. Installing smoke detectors, alarms, or a monitored security system may also help lower your premiums.

What should I do if I need to file a claim?

Contact us right away. We’ll walk you through the process from start to finish and act as your advocate to ensure a smooth resolution.

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.

Condo Insurance Insights