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Cover what your condo corporation doesn't.  

While your condo corporation covers the actual structure of the building, it's up to you to insure your contents, unit improvements, and liability.

Here's what our condo insurance covers:

Contents

Contents

This will cover all your personal belongings, AKA your “stuff" in case of theft, fire, water damage or pretty much anything else that could happen. From your collection of shoes to that vintage guitar you never play (but will…someday), your contents are all the things you’ve bought, meant to re-gift and borrowed but forgot to return to a friend.

Liability

Liability

As the saying goes, accidents happen. For instance, if the delivery guy slips and injures himself, your insurance policy will extend to cover liability claims. It will also cover you if you lose track of time and accidently let your bathtub overflow, damaging the unit below you. 

Additional Living Expenses

Additional Living Expenses

You’re feeling inspired by your inner chef, but end up setting fire to half your kitchen and living room . Your insurance policy will pay the extra costs you incur living at a temporary location if you are forced out of your home for any reason.

Sewer Backup

Sewer Backup

Gross right? Your insurance policy will cover losses from the backing up of sewage into your home or damage caused by water escaping from appliances or a pipe that bursts. This is especially important for finished basements as sewage claims can cost several thousands of dollars to clean up and repair.

Identity Theft

Identity Theft

If someone, let’s call them that guy, steals your identity, your policy coverage will kick in to cover most expenses you will incur due to the damage that was caused. This includes everything from legal fees to professional fees charged by lawyers or notaries to defense costs and even cover loss of income! The coverage even extends to your spouse, children under 21 and relatives living in your home.

 

Condo Corp Deductible

Condo Corp Deductible

Just like you have a deductible on your insurance policy, your condo corporation is also responsible for a deductible on their policy. If the corporation makes a claim, the owners (that includes you) may have to pay a share of this deductible. For instance, if the condo corporation’s master policy has a $25,000 deductible and you’re required to pay for a part of it, that could be a pretty large bill.

Loss Assessment

Loss Assessment

So a guy thinks he’s the hulk and drops a barbell through the floor of your building’s gym. Loss Assessment covers unit owners like you for your share of the loss of a common area (places like a lobby, gym, or parking garage). This will cover you, even if the condominium corporation doesn’t have sufficient coverage on their policy to cover the loss.

Contingency Coverage

Contingency Coverage

This one is important! It will cover you for a loss if the condominium corporation who owns the building has insufficient, invalid or void insurance. It will also cover you if the corporation’s policy has an exclusion for a certain type of loss (ex. Earthquake) but your policy has coverage for it.

Unit Improvements & Betterments

Unit Improvements & Betterments

This covers any additional upgrades made to a condo after it has been built. For instance, if you upgraded from purple shag carpet to teak floors, you would get the same or equivalent replacement if there was a loss in your unit.

Take risks with your choice of wall color, but play it safe with condo insurance.

Your condo is your home, your headquarters, your castle. It also happens to be your biggest investment so you'll want to make sure it’s protected.

Protect your condo
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Bonus: you can manage everything online.

Not only can you buy your condo insurance online, your Nuera Account also allows you to view your insurance policy, make changes, check payments, or report a claim from any device.

Learn more

Make sure you’re covered before you move in. Start by finding the best condo insurance rates. 

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