{"id":15702,"date":"2023-01-09T10:36:48","date_gmt":"2023-01-09T15:36:48","guid":{"rendered":"https:\/\/www.assur360.ca\/condo-insurance-quote-6\/"},"modified":"2026-09-02T12:26:25","modified_gmt":"2026-09-02T16:26:25","slug":"condo-insurance-quote-6","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/condo-insurance-quote-6\/","title":{"rendered":"Condo insurance quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">COMPETITIVE PRICES<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Condo-insurance-prices-coverage-and-human-service\"><\/span>Condo insurance: prices, coverage and human service<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Get your <strong>condo insurance quote<\/strong> in a few clicks and compare <strong>equivalent<\/strong> offers ($ <strong>2 million<\/strong> RC, <strong>extensive water damage<\/strong>, <strong>common loss\/syndicate deductible<\/strong>, improvements) to pay the <strong>right price<\/strong> without finding out.  <br \/><br \/>Our <strong>partner brokers<\/strong> shop with several insurers and present you with <strong>3 quantified scenarios<\/strong> (deductibles, options, impact on premiums), adapted to your condominium\u2014recent tower with sprinklers, renovated plex or heritage building.  <br \/><br \/>Take advantage of <strong>multi-policy discounts<\/strong> (car + condo), prevention advice (sensors\/water shut-off valve) and <strong>human support<\/strong> from quote to claim. Start your <strong>online quote<\/strong> now and find simple <strong>, transparent and competitive<\/strong> condo insurance \u2014 anywhere in Quebec. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:flex;gap:32px;align-items:center;max-width:1200px;margin:32px auto;padding:32px;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/soumission-assurance-condo.jpg\" alt=\"Happy couple in front of skyscrapers and urban park.\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"What-is-the-price-of-condo-insurance\"><\/span>What is the price of condo insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 16px;\">It is difficult to give an accurate price for condo insurance, as rates can vary depending on many factors such as the location of the condo, its size, age, value, and the risks it is exposed to.<\/p>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 0;\">Condo <a href=\"\/\" title=\"Home Insurance Company\">insurance companies<\/a> typically offer condo insurance policies that cover the common areas of the building, the private portions of the condo units, and damage caused to others or their property by the condo occupants or by the condo itself. These policies may also include protection against damage caused by natural disasters or fires. <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><a title=\"Jean Boissonneault\" href=\"\/\">According to Jean Boissonneault<\/a>, president of <strong>Assur360<\/strong>, <em>&#8220;it is recommended to make condo insurance quotes from several insurance companies on Assur360 and compare offers to find the contract that best suits your needs and budget.&#8221;<\/em> It is also advisable to read the terms of the contract carefully to find out what is covered and what is not.<\/p>\n\n<h3 class=\"wp-block-heading\">Montreal \u2014 Condo Value Estimate<\/h3>\n\n<figure class=\"wp-block-table\"><table class=\"has-ast-global-color-4-background-color has-background has-fixed-layout\"><thead><tr><th>Value of the condo (purchase\/appraisal)<\/th><th>Content + Typical Upgrades Assured*<\/th><th><strong>Basic<\/strong> ($2 million RC + standard coverage)<\/th><th><strong>With extensive water damage<\/strong><\/th><th><strong>With extensive water damage + common loss<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>\u2264 $300K<\/strong><\/td><td>$25\u201335K<\/td><td><strong>$28\u201348<\/strong><\/td><td><strong>$34\u201362<\/strong><\/td><td><strong>$38\u201368<\/strong><\/td><\/tr><tr><td><strong>$300\u2013450K<\/strong><\/td><td>$35\u201350K<\/td><td><strong>$30\u201354<\/strong><\/td><td><strong>$36\u201370<\/strong><\/td><td><strong>$40\u201376<\/strong><\/td><\/tr><tr><td><strong>$450\u2013600K<\/strong><\/td><td>$50\u201375K<\/td><td><strong>$34\u201358<\/strong><\/td><td><strong>$40\u201376<\/strong><\/td><td><strong>$45\u201384<\/strong><\/td><\/tr><tr><td><strong>$600\u2013800K<\/strong><\/td><td>$75\u2013100K<\/td><td><strong>$38\u201364<\/strong><\/td><td><strong>$45\u201382<\/strong><\/td><td><strong>$50\u201392<\/strong><\/td><\/tr><tr><td><strong>$800K \u2013 $1.2M<\/strong><\/td><td>$100\u2013150K<\/td><td><strong>$44\u201372<\/strong><\/td><td><strong>$52\u201392<\/strong><\/td><td><strong>$58\u2013105<\/strong><\/td><\/tr><tr><td><strong>&gt;  $1.2 million (high-end)<\/strong><\/td><td>$150\u2013250K+<\/td><td><strong>$55\u201385<\/strong><\/td><td><strong>$65\u2013105<\/strong><\/td><td><strong>$72\u2013120<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">*  <em>The syndicate ensures the envelope of the building; Your policy mainly covers <strong>contents<\/strong> and <strong>improvements<\/strong> (floors, kitchen, bathroom), plus <strong>liability<\/strong> and some <strong>water damage<\/strong>. The <strong>syndicate&#8217;s common loss \/ deductible<\/strong> endorsement is strongly recommended. <\/em><\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:24px 0 40px;flex-wrap:wrap;\">\n  <div style=\"flex:1 1 42%;min-width:280px;\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2024\/06\/meilleur-soumission-condo-1024x241.png\" alt=\"condo submission in Montreal\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:1 1 52%;min-width:280px;\">\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:24px;font-weight:800;line-height:1.25;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"What-to-check-before-getting-a-quote-for-condo-insurance\"><\/span>What to check before getting a quote for condo insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0 0 12px;\">Here are a few things to check before getting a quote for condo insurance:<\/p>\n  <\/div>\n<\/div>\n\n<ol class=\"wp-block-list\">\n<li><strong>Coverage: <\/strong>check that the risks to which your <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/condo-insurance-two-different-contracts-2\/\">condo is exposed are covered by the insurance contract<\/a> offered. For example, if <a href=\"https:\/\/www.assur360.ca\/blog\/assurance\/avez-vous-la-meilleur-assurance-maison-et-condo\/\">your condo<\/a> is located in an area at risk of natural disasters, make sure that the contract includes coverage for these events. <\/li>\n\n\n\n<li> <strong>Exclusions: <\/strong>take note of the exclusions of the contract to find out what is not covered by the insurance. For example, some contracts may exclude damage caused by normal wear and tear or deterioration of property. <\/li>\n\n\n\n<li><strong>Deductibles:<\/strong> deductibles are the amounts you are required to pay in the event of a claim before the insurance covers the rest. Check that the deductibles offered are adapted to your financial means. <\/li>\n\n\n\n<li><strong>Guarantees: <\/strong>check that the guarantees offered meet your needs. For example, if you have valuable belongings in your condo, make sure the contract includes <a title=\"Water damage protection\" href=\"\/blog\/950\">coverage for those belongings<\/a>. <\/li>\n\n\n\n<li><strong>Rates:<\/strong> Compare rates offered by different insurance companies and choose the one that best suits your budget. Don&#8217;t forget to take into account the guarantees and deductibles offered in your decision, when quoting. <\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use-the-services-of-a-condo-insurance-broker\"><\/span>Use the services of a condo insurance broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Insuring your condo can be a complex and confusing task, especially when it comes to determining the coverage you need and finding the <strong>best deals available<\/strong>. That&#8217;s where insurance brokers come in. Here&#8217;s why doing business with an insurance broker can be advantageous for <a href=\"\/\">insuring your personal condo<\/a> .  <\/p>\n\n<p class=\"wp-block-paragraph\">First of all, <strong>insurance brokers have a vast knowledge of the insurance market<\/strong>. So they can help you navigate through the different coverage options and find the insurance policy that best suits your needs and budget. Additionally, they can negotiate with insurance companies to get the best deals for you.  <\/p>\n\n<p class=\"wp-block-paragraph\">Secondly, insurance brokers are impartial intermediaries. They are not tied to any particular condo insurance company, which means they can provide you with unbiased advice on the different coverage options available. In addition, they can evaluate the different offers objectively and help you make an informed decision.  <\/p>\n\n<p class=\"wp-block-paragraph\">Finally, insurance brokers can also <strong>help you in the event of a claim<\/strong> or when requesting a condo insurance quote. They can advise you on how to make a claim and support you through the process, helping you assert your rights and get fair compensation. <\/p>\n\n<p class=\"wp-block-paragraph\">In conclusion, doing business with a condo insurance broker can help you navigate the complex world of insurance and<strong> find the best insurance policy<\/strong> for your <a href=\"\/\">personal condo<\/a>. In addition, insurance brokers can provide you with <strong>unbiased advice<\/strong>, help you make a claim in the event of a claim, and support you throughout the process. So why not call on an <a href=\"\/\">insurance broker<\/a> to help you insure your personal condo?  <\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"quest-ce-que-lassurance-responsabilite-civile-pour-condo\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is Condo Liability Insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Condominium liability insurance is a form of insurance that covers damage caused to others or their property by the occupants of a condo or by the condo itself. It also protects against legal proceedings that could <a title=\"Property and casualty insurance\" href=\"\/\">result from these damages<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This form of insurance is typically purchased by condominium corporations and covers the common portions of the building and the private portions of condo units. It can also include protection against damage caused by natural disasters or fires. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to note that <a title=\"Liability insurance\" href=\"\/blog\/942\">condominium liability insurance<\/a> does not cover damage to or injury to the personal property of condo occupants. To do this, they must take out condo home insurance. <\/p>\n<\/details>\n\n\n\n<details id=\"comment-obtenir-une-soumission-pour-une-assurance-condo\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How do I get a quote for condo insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Fill out an <a href=\"\/\">online application<\/a> form or contact an insurance broker. Provide information about your condo, such as the location, size, improvements, and value of your personal belongings. <\/p>\n<\/details>\n\n\n\n<details id=\"comment-puis-je-reduire-le-cout-de-mon-assurance-condo\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How can I reduce the cost of my condo insurance?<\/summary>\n<ul class=\"wp-block-list\">\n<li>Install security devices (alarm systems, smoke detectors)<\/li>\n\n\n\n<li>Bundle your insurance (car and home) with the same insurer<\/li>\n\n\n\n<li>Ask for no claims discounts<\/li>\n<\/ul>\n<\/details>\n\n\n\n<details id=\"que-dois-je-faire-en-cas-de-sinistre\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What should I do in the event of a claim?<\/summary>\n<ul class=\"wp-block-list\">\n<li>Contact <a href=\"\/\">your insurer<\/a> immediately to report the claim.<\/li>\n\n\n\n<li>Document the damage with photos and detailed descriptions.<\/li>\n\n\n\n<li>Keep all receipts for repairs or expenses incurred as a result of the loss.<\/li>\n<\/ul>\n<\/details>\n<script type=\"application\/ld+json\"><\/script><\/div>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/\",\"@id\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/#quest-ce-que-lassurance-responsabilite-civile-pour-condo\",\"name\":\"Qu\u2019est-ce que l\u2019assurance responsabilit\u00e9 civile pour condo ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u003Cp\\u003EL\u2019assurance responsabilit\u00e9 civile pour les condominiums est une forme d\u2019assurance qui couvre les dommages caus\u00e9s \u00e0 autrui ou \u00e0 leurs biens par les occupants d\u2019un condo ou par le condo lui-m\u00eame. Elle prot\u00e8ge \u00e9galement contre les poursuites en justice qui pourraient \\u003Ca title=\\u0022Assurance de dommages\\u0022 href=\\u0022\/assurance-de-dommages\/\\u0022\\u003Er\u00e9sulter de ces dommages\\u003C\/a\\u003E.\\u003C\/p\\u003E\\u003Cp\\u003ECette forme d\u2019assurance est g\u00e9n\u00e9ralement souscrite par les associations de condominiums et couvre les parties communes du b\u00e2timent et les parties privatives des unit\u00e9s de condo. Elle peut \u00e9galement inclure une protection contre les dommages caus\u00e9s par des catastrophes naturelles ou des incendies.\\u003C\/p\\u003E\\u003Cp\\u003EIl est important de noter que l\u2019\\u003Ca title=\\u0022Assurance responsabilit\u00e9 civile\\u0022 href=\\u0022\/blog\/942\\u0022\\u003Eassurance responsabilit\u00e9 civile pour les condominiums\\u003C\/a\\u003E ne couvre pas les dommages caus\u00e9s aux biens personnels des occupants du condo ni les blessures subies par eux. Pour cela, ils doivent souscrire une assurance habitation pour condo.\\u003C\/p\\u003E\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/#comment-obtenir-une-soumission-pour-une-assurance-condo\",\"name\":\"Comment obtenir une soumission pour une assurance condo ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u003Cp\\u003ERemplissez un formulaire de\u00a0\\u003Ca href=\\u0022https:\/\/www.assur360.ca\/soumission-habitation-rapide\/\\u0022\\u003Edemande en ligne\\u003C\/a\\u003E\u00a0ou contactez un courtier d\u2019assurance. Fournissez des informations sur votre condo, telles que l\u2019emplacement, la taille, les am\u00e9liorations et la valeur de vos biens personnels notamment.\\u003C\/p\\u003E\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/#comment-puis-je-reduire-le-cout-de-mon-assurance-condo\",\"name\":\"Comment puis-je r\u00e9duire le co\u00fbt de mon assurance condo ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u003Cul class=\\u0022wp-block-list\\u0022\\u003E\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003EInstallez des dispositifs de s\u00e9curit\u00e9 (syst\u00e8mes d\u2019alarme, d\u00e9tecteurs de fum\u00e9e)\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\n\\n\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003ERegroupez vos assurances (auto et habitation) avec le m\u00eame assureur\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\n\\n\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003EDemandez des rabais pour absence de r\u00e9clamations\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\u003C\/ul\\u003E\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/#que-dois-je-faire-en-cas-de-sinistre\",\"name\":\"Que dois-je faire en cas de sinistre ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u003Cul class=\\u0022wp-block-list\\u0022\\u003E\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003EContactez imm\u00e9diatement\u00a0\\u003Ca href=\\u0022https:\/\/www.assur360.ca\/assureur\/habitation\/\\u0022\\u003Evotre assureur\\u003C\/a\\u003E\u00a0pour signaler le sinistre.\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\n\\n\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003EDocumentez les dommages avec des photos et des descriptions d\u00e9taill\u00e9es.\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\n\\n\\u003C!-- wp:list-item --\\u003E\\n\\u003Cli\\u003EConservez tous les re\u00e7us des r\u00e9parations ou des d\u00e9penses engag\u00e9es \u00e0 la suite du sinistre.\\u003C\/li\\u003E\\n\\u003C!-- \/wp:list-item --\\u003E\\u003C\/ul\\u003E\"}}]}<\/script>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"max-width:900px;margin:40px auto;\">\n<h2 style=\"color:#0d1f2d;font-family:Sora,sans-serif;font-size:28px;font-weight:800;text-align:center;margin:0 0 32px;\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Condo-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Condo Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is condo insurance mandatory in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Since <strong>2020<\/strong>, the <strong>Civil Code of Quebec<\/strong> has required condo owners to have <strong>a minimum of civil liability insurance<\/strong> (often $1 million or $2 million depending on the declaration of co-ownership). Interior <strong>property insurance<\/strong> remains technically optional, but it is <strong>highly recommended<\/strong> \u2014 without it, you are solely responsible for damage to your property and leasehold improvements. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What exactly does condo insurance cover?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Standard condo insurance covers: 1) <strong>Improvements and embellishments<\/strong> (countertops, floors, fixtures added). 2) <strong>Personal property<\/strong> (furniture, electronics, clothing). 3) <strong>Civil liability<\/strong> (damage caused to third parties or other units). 4) <strong>Living expenses<\/strong> if your condo becomes uninhabitable. 5) <strong>Special contribution from the syndicate<\/strong> in the event of a major loss (option).    <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the syndicate&#8217;s policy already cover my condo?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No \u2014 at least not completely. <strong>The syndicate&#8217;s insurance<\/strong> only covers the <strong>common areas<\/strong> (structure, roof, lobby, elevators) and sometimes the <strong>original facilities<\/strong> inside the units (depending on the declaration of co-ownership). Your <strong>personal<\/strong> <strong>belongings, renovations<\/strong>, <strong>liability<\/strong> and <strong>living expenses<\/strong> require your own policy.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the average price of condo insurance in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Annual premiums for a standard condo in Quebec range from <strong>$250 to $550\/year<\/strong>. The price depends on: <strong>value of the property<\/strong> ($30,000 to $100,000+), <strong>city<\/strong> (Montreal slightly more expensive than regions), <strong>age of the building<\/strong>, <strong>fire protection<\/strong>, <strong>loss history<\/strong>, <strong>deductible chosen<\/strong>. <strong>Indicative<\/strong> prices \u2014 a personalized quote specifies your cost.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Which deductible should I choose for my condo insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The standard deductible ranges from <strong>$500 to $2,500<\/strong>. A higher deductible reduces your annual premium: going from $500 to $1,000 can lower your premium by <strong>8 to 12%.<\/strong> <strong>Be careful:<\/strong> the declaration of co-ownership may also impose a minimum deductible (often $5,000 or $10,000 for water damage). Check before you choose.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Am I covered for water damage in the condo?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, <strong>sudden and accidental water damage<\/strong> (pipe breaks, sewer backups, infiltration) is usually covered by a standard condo policy. However: 1) Check to see if your policy includes <strong>sewer backup<\/strong> (often optional). 2) <strong>Slow leaks<\/strong> (progressive mold) are rarely covered. 3) In the event of a <strong>loss from your unit<\/strong>, your liability can cover the syndicate&#8217;s deductible.   <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I save by combining condo + car?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. <strong>Multi-product bundling<\/strong> (condo + car with the same firm) generates a <strong>10 to 20%<\/strong> discount on all premiums. At Assur360, our <strong>AMF-certified partner firms<\/strong> systematically evaluate the bundled option when you quote \u2014 you can see the potential savings at a glance.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 12px;background:#fff;\">\n<summary style=\"cursor:pointer;padding:16px 20px;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does a condo quote take?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Via Assur360, <strong>it only takes 3 minutes<\/strong> to fill out the online form. You will then receive a call or email from an AMF (Chambre de l&#8217;assurance) <strong>certified partner firm<\/strong> within <strong>24 to 48 business hours<\/strong> with your personalized quote. No obligation to purchase, no fees.  <\/div>\n<\/details>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Compare-and-save-on-your-insurance\"><\/span>Compare and save on your insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">The brokers of our AMF-certified partner firms compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"max-width:1100px;margin:48px auto;padding:32px;background:#ffffff;border-radius:16px;box-shadow:0 1px 3px rgba(13,31,45,.06);\">\n  <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;margin:0 0 6px;\">To consult<\/p>\n  <h3 style=\"color:#0d1f2d;font-size:22px;font-weight:800;font-family:'Sora',sans-serif;margin:0 0 20px;\">Pages linked to it<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px;margin:0 0 20px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/vehicle-insurance-quick-quote-in-3-minutes\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Motor vehicle insurance, quote in 3 minutes, is it possible?<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-3\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Is it really reliable to compare your car insurance online?<\/a>\n\n  <\/div>\n  <div style=\"display:flex;gap:12px;flex-wrap:wrap;margin-top:8px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/\" style=\"display:inline-block;background:transparent;color:#0d1f2d;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;border:2px solid #0d1f2d;font-size:13px;\">See Category \u2192<\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/soumission-rapide-3\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;font-size:13px;\">Get a free quote<\/a>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/soumission-assurance-condo-2\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Est-ce que l'assurance condo est obligatoire au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depuis 2020, le Code civil du Qu\u00e9bec impose au propri\u00e9taire de condo une assurance responsabilit\u00e9 civile minimum (souvent 1 M$ ou 2 M$ selon la d\u00e9claration de copropri\u00e9t\u00e9). L'assurance biens pour l'int\u00e9rieur reste techniquement facultative, mais elle est fortement recommand\u00e9e \u2014 sans elle, vous assumez seul les dommages \u00e0 vos biens et aux am\u00e9liorations locatives.\"}},{\"@type\":\"Question\",\"name\":\"Que couvre exactement l'assurance condo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une assurance condo standard couvre : 1) Am\u00e9liorations et embellissements (comptoirs, planchers, luminaires ajout\u00e9s). 2) Biens personnels (meubles, \u00e9lectroniques, v\u00eatements). 3) Responsabilit\u00e9 civile (dommages caus\u00e9s \u00e0 des tiers ou \u00e0 d'autres unit\u00e9s). 4) Frais de subsistance si votre condo devient inhabitable. 5) Contribution sp\u00e9ciale du syndicat en cas de sinistre majeur (option).\"}},{\"@type\":\"Question\",\"name\":\"La police du syndicat couvre-t-elle d\u00e9j\u00e0 mon condo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non \u2014 du moins pas compl\u00e8tement. L'assurance du syndicat couvre uniquement les parties communes (structure, toit, hall, ascenseurs) et parfois les installations d'origine \u00e0 l'int\u00e9rieur des unit\u00e9s (selon la d\u00e9claration de copropri\u00e9t\u00e9). Vos biens personnels, r\u00e9novations, responsabilit\u00e9 civile et frais de subsistance n\u00e9cessitent votre propre police.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le prix moyen d'une assurance condo au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les primes annuelles pour un condo standard au Qu\u00e9bec varient de 250 $ \u00e0 550 $\/an. Le prix d\u00e9pend de : valeur des biens (30 000 $ \u00e0 100 000 $+), ville (Montr\u00e9al l\u00e9g\u00e8rement plus cher que r\u00e9gions), \u00e2ge du b\u00e2timent, protection incendie, historique de sinistres, franchise choisie. Prix indicatifs \u2014 une soumission personnalis\u00e9e pr\u00e9cise votre co\u00fbt.\"}},{\"@type\":\"Question\",\"name\":\"Quelle franchise choisir pour mon assurance condo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La franchise standard varie de 500 $ \u00e0 2 500 $. Une franchise plus \u00e9lev\u00e9e r\u00e9duit votre prime annuelle : passer de 500 $ \u00e0 1 000 $ peut baisser votre prime de 8 \u00e0 12 %. Attention : la d\u00e9claration de copropri\u00e9t\u00e9 peut aussi imposer une franchise minimale (souvent 5 000 $ ou 10 000 $ pour d\u00e9g\u00e2ts d'eau). V\u00e9rifiez avant de choisir.\"}},{\"@type\":\"Question\",\"name\":\"Suis-je couvert pour les d\u00e9g\u00e2ts d'eau au condo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les d\u00e9g\u00e2ts d'eau soudains et accidentels (bris de tuyau, refoulement d'\u00e9gout, infiltration) sont g\u00e9n\u00e9ralement couverts par une police condo standard. Cependant : 1) V\u00e9rifiez si votre police inclut le refoulement d'\u00e9gout (souvent en option). 2) Les fuites lentes (moisissure progressive) sont rarement couvertes. 3) En cas de sinistre partant de votre unit\u00e9, votre RC peut couvrir la franchise du syndicat.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je \u00e9conomiser en combinant condo + auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Le regroupement multi-produits (condo + auto chez le m\u00eame cabinet) g\u00e9n\u00e8re un rabais de 10 \u00e0 20 % sur l'ensemble des primes. Chez Assur360, nos cabinets partenaires certifi\u00e9s AMF \u00e9valuent syst\u00e9matiquement l'option regroup\u00e9e lors de votre soumission \u2014 vous voyez d'un coup d'\u0153il l'\u00e9conomie potentielle.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps prend une soumission condo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Via Assur360, 3 minutes suffisent pour remplir le formulaire en ligne. Vous recevrez ensuite un appel ou courriel d'un cabinet partenaire certifi\u00e9 AMF (Chambre de l'assurance) dans les 24 \u00e0 48 heures ouvrables avec votre soumission personnalis\u00e9e. Aucune obligation d'achat, aucun frais.\"}}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>COMPETITIVE PRICES Condo insurance: prices, coverage and human service Get your condo insurance quote in a few clicks and compare equivalent offers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45583,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Get a condo insurance quote online. Protect your real estate investment with the right coverage for your needs. 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