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CONDO INSURANCE

Average savings of $278 on your home insurance

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Stack up the discounts and save!*

Average savings of $510**

Combined policy

Bundle your auto and home insurance and save even more.

Up to 10% off

Exclusive discounts for iA clients

Get an additional discount if you have other products with iA Financial Group such as life, disability or critical illness insurance products, savings products, etc.

Up to 15% off

Home security discount

Save on your premium if you have a centrally monitored home security system.

Even more savings!

Other discounts

Other discounts available: years at same address, zero claims, etc.

Home insurance for condominium owners

Protect your condominium with coverage customized to your needs. Insure not only your possessions, but any changes you make to your unit as well. Have you updated your kitchen or remodelled your bathroom with a more expensive bath and fixtures? This insurance will cover these types of improvements in the event of a claim.

Coverage designed for you

Basic Coverage

Mandatory

Civil liability

All condominium owners are legally required to at least hold civil liability insurance, whether they live in their condo or rent it out. This coverage protects you against damages you may cause to others, at home or elsewhere.

Example: While installing a wall mount, you puncture a pipe without realizing it right away. You cause a leak that damages the building and the property of other residents.

Recommended

Specified perils

We cover your property against the risks listed in the insurance contract, including fire, theft and vandalism.

Recommended

All risks

As the name suggests, this insurance covers your property against all risks, EXCEPT for perils excluded from your insurance contract. The excluded perils should be listed in your policy. It also covers improvements made to your condo. This is the most comprehensive coverage, as it enhances the basic protection provided by Specified Perils coverage while covering additional risks such as water damage.

In addition to covering all your belongings, this protection covers additional living expenses, such as the cost of relocating in the event of a covered loss.

Additional Coverage Options

Water damage

Did you know that water damage accounts for nearly half of all home insurance claims in Quebec? That’s why it’s important to have good coverage and to know how to prevent water damage.

Groundwater and sewer

No more worrying about sewer backups with this coverage for your belongings against accidental water damage as a result of:

  • Water seeping through your foundation
  • A broken or malfunctioning sump pump

Our flexible coverage is among the best on the market. You can tailor the coverage to your personal needs.

Above-ground water

This coverage protects you against water damage to your belongings caused by sudden, accidental water leakage through the roof, doors, windows, etc.

Fuel oil overflow or leaks

This option covers damage to insured property caused by an accidental leak or overflow from an oil tank, a pipe to the furnace or connected system components. Decontamination is included in the coverage.

Specific personal belongings

Some personal items, such as jewellery or bicycles, may have coverage limits because of their high value or risk of theft. With this coverage, we insure the full value of these items.

Earthquake

This option covers damage caused by an earthquake and any subsequent damage, like water seeping through a window that was damaged during the quake.

Even though major earthquakes are rare in Quebec, there are hundreds of small tremors in eastern Canada every year. Read this article to learn how to protect yourself in an earthquake

Quick and easy claims!

When damages happen, we're here to help. Count on our expert advice and assistance for your home insurance claims.

  • 24/7 claims service
  • Reassuring and immediate support
  • One of the fastest post-accident reimbursement times on the market
Make a claim

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Bundling your insurance with iA Auto and Home pays off!

Save money on your car!

Learn more about auto insurance

Save money on your recreational vehicle!

Learn about recreational vehicle insurance

* Certain conditions apply. Subject to change without notice.

** Information collected between March 1, 2019 and September 1, 2019, from 302 new clients who purchased at least one new home insurance policy with iA Auto and Home. This amount represents the average savings stated by the clients and is not a guarantee.

Living outside Quebec?

Our auto and home insurance products are offered only in the province of Quebec.
Our partner Surex can help you with your auto and home insurance needs in your region.

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