{"id":20200,"date":"2014-09-18T16:40:51","date_gmt":"2014-09-18T20:40:51","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/condo-insurance-two-different-contracts-2\/"},"modified":"2026-06-26T03:19:39","modified_gmt":"2026-06-26T07:19:39","slug":"condo-insurance-two-different-contracts-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/condo-insurance-two-different-contracts-2\/","title":{"rendered":"Condo insurance in Quebec: why you need two different contracts"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/condo-deux-contrats-differents\/#article\",\"headline\":\"Condo insurance in Quebec: why you need two different contracts in 2026\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/condo-deux-contrats-differents\/\",\"datePublished\":\"2014-09-18T16:40:51\",\"dateModified\":\"2026-04-19T08:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault, certified insurance broker AMF (n\u00ba 2000037336), owner of Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Property and Casualty Insurance Firm License (n\u00ba 2000037336)\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}},\"inLanguage\":\"fr-CA\",\"description\":\"Condo insurance Quebec 2026: difference syndicate policy vs co-owner, coverage improvements, chapter insurance Civil Code, average premiums and how to protect yourself well.\",\"about\":[{\"@type\":\"Thing\",\"name\":\"Condo insurance Quebec\"},{\"@type\":\"Thing\",\"name\":\"Divided co-ownership\"}],\"mentions\":[{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"},{\"@type\":\"Organization\",\"name\":\"Insurance Bureau of Canada\",\"url\":\"https:\/\/www.ibc.ca\"},{\"@type\":\"Organization\",\"name\":\"Regroupement des gestionnaires et copropri\u00e9taires du Qu\u00e9bec\",\"url\":\"https:\/\/rgcq.org\"}]}\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home insurance in Quebec\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Condo: two different contracts\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/condo-deux-contrats-differents\/\"}]}\n<\/script>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:64px 24px;border-radius:16px;margin:32px auto;max-width:1200px;color:#fff;\">\n  <div style=\"max-width:900px;margin:0 auto;text-align:center;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px;\">2026 Guide &#8211; Condominium Insurance<\/p>\n    <h1 class=\"wp-block-heading\" style=\"color:#fff;font-size:40px;font-weight:800;margin:0 0 20px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Condo-insurance-in-Quebec-why-you-need-two-different-contracts\"><\/span>Condo insurance in Quebec: why you need two different contracts<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"color:#cbd5e1;font-size:18px;line-height:1.7;margin:0 0 32px;\">Unlike a single-family home, a condo in Quebec is protected by <strong style=\"color:#fff;\">two separate insurance policies<\/strong> : that of the syndicate of the co-ownership and that of each co-owner. To misunderstand this division is to risk that a $35,000 water damage will pass between the two contracts and end up at your expense. Here&#8217;s everything you need to know to protect your condo in 2026.  <\/p>\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 36px;font-weight:700;border-radius:8px;text-decoration:none;font-size:16px;\">Condo quote in 2 minutes<\/a>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-principle-common-part-vs-private-part\"><\/span>The principle: common part vs private part<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Since the reform of the Civil Code of Quebec that came into force on April 15, 2020 (Bill 16), the insurance framework for a divided co-ownership is clear: the <strong>syndicate<\/strong> insures the <strong>common portions<\/strong> and the <strong>original structure<\/strong> of the units (walls, ceilings, floors as delivered by the developer), while each <strong>co-owner<\/strong> must insure his <strong>personal property<\/strong>, <strong>his improvements<\/strong>, etc. his <strong>civil liability<\/strong> and additional costs such as temporary accommodation.<\/p>\n\n<p class=\"wp-block-paragraph\">This division is not a choice: it has been a legal obligation since Bill 16. A co-owner who does not have his own policy risks having to pay personally for his renovations, his furniture, his liability claims, and even part of the syndicate&#8217;s deductible (often $25,000 to $50,000). Several syndicates are now refusing to issue the co-owner&#8217;s letter of commitment without proof of personal insurance.  <\/p>\n\n<div style=\"max-width:1100px;margin:32px auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n    <p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;\">2 policies<\/p>\n    <p style=\"color:#64748b;font-size:14px;margin:8px 0 0;\">Syndicate + co-owner (mandatory)<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n    <p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;\">$25,000+<\/p>\n    <p style=\"color:#64748b;font-size:14px;margin:8px 0 0;\">Typical syndicate deductible since 2020<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n    <p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;\">$300 to $700<\/p>\n    <p style=\"color:#64748b;font-size:14px;margin:8px 0 0;\">Average annual co-owner premium<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n    <p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;\">$2M<\/p>\n    <p style=\"color:#64748b;font-size:14px;margin:8px 0 0;\">Recommended Third Party Liability<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-the-syndicate-policy-covers\"><\/span>What the syndicate policy covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The policy of the syndicate of co-ownership is managed by the board of directors and paid by all the co-owners via common expenses. It insures the building in its original condition, as built by the developer or as filed in the declaration of co-ownership. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Common areas<\/strong> : lobby, corridors, elevators, indoor parking, pool, gym, roof, facades, mechanical systems.<\/li>\n<li><strong>Original units<\/strong> : Walls, ceilings, floors, cabinets, countertops and appliances provided by the developer \u2014 <em>without subsequent renovations<\/em>.<\/li>\n<li><strong>Union liability<\/strong> : falls in common areas, incidents involving employees.<\/li>\n<li><strong>Directors and Officers<\/strong> (D&amp;O) Insurance: Protection of the Board against lawsuits.<\/li>\n<li><strong>Syndicate Business Interruption<\/strong> : Ongoing costs during disaster reconstruction.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Since Bill 16, the syndicate must also set up a <strong>self-insurance fund<\/strong> corresponding to the highest deductible of the contract, in order to prevent a loss from forcing a special emergency assessment on the co-owners.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-YOUR-condo-policy-covers\"><\/span>What YOUR condo policy covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The co-ownership policy \u2014 often called the &#8220;condo chapter&#8221; or H6 policy \u2014 complements the syndicate&#8217;s policy. It covers what the syndicate does not insure: <\/p>\n\n<div style=\"max-width:1100px;margin:24px auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Personal property<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">Furniture, electronics, clothing, bicycles, appliances not included in the original lease. Typically $30,000 to $75,000. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Improvements and additions<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">Hardwood floor replaced, high-end kitchen cabinets, Italian ceramic shower, island added. To be really evaluated. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Civil liability<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">If water damage from your home damages the neighbour, you are liable. Recommended minimum: $2 million. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Syndicate Franchise<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">Coverage for &#8220;expenses incurred by the co-ownership&#8221; up to $50,000. Pay the syndicate&#8217;s deductible if you are at fault. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Living expenses<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">Hotel, meals, storage if your condo is uninhabitable after a disaster. $15,000 to $25,000 typical. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;\"><h3 class=\"wp-block-heading\" style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Theft and vandalism<\/h3><p style=\"margin:0;color:#334155;font-size:14px;\">Including bicycle theft in the indoor parking lot and theft of jewellery (limit of $2,000 to $6,000 without endorsement).<\/p><\/div>\n<\/div>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:48px 24px;border-radius:16px;margin:48px auto;max-width:1100px;color:#fff;text-align:center;\">\n  <h2 class=\"wp-block-heading\" style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Condo-insurance-quote-in-2-minutes\"><\/span>Condo insurance quote in 2 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;margin:0 0 28px;max-width:700px;margin-left:auto;margin-right:auto;\">Our AMF-certified brokers compare several insurers to find the right condo policy. Free and without obligation.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 36px;font-weight:700;border-radius:8px;text-decoration:none;\">Get my condo quote<\/a>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Syndicate-vs-co-owner-comparative-table-of-coverages\"><\/span>Syndicate vs co-owner: comparative table of coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;max-width:1000px;margin:32px auto;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;\">Disaster \/ element<\/th>\n      <th style=\"padding:14px;text-align:left;\">Union<\/th>\n      <th style=\"padding:14px;text-align:left;\">Co-owner<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Storm Damaged Roof<\/td><td style=\"padding:12px;\">Yes<\/td><td style=\"padding:12px;\">No<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Original walls and ceilings<\/td><td style=\"padding:12px;\">Yes<\/td><td style=\"padding:12px;\">No<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Kitchen Renovations<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Hardwood floor replaced<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Furniture  Electronics<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Water damage you cause<\/td><td style=\"padding:12px;\">Syndicate rebuilds<\/td><td style=\"padding:12px;\">You pay deductible + neighbor damage<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Fall of a guest at your home<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes (civil liability)<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Fire in the elevator<\/td><td style=\"padding:12px;\">Yes<\/td><td style=\"padding:12px;\">No<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Theft inside your condo<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Temporary Accommodation<\/td><td style=\"padding:12px;\">No<\/td><td style=\"padding:12px;\">Yes<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-condo-insurance-cost-in-Quebec-in-2026\"><\/span>How much does condo insurance cost in Quebec in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">According to data collected by Assur360 from several partner insurers, the average annual premium for a co-ownership policy in Quebec in 2026 is as follows:<\/p>\n\n<div style=\"overflow-x:auto;max-width:900px;margin:32px auto;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;\">Condo<\/th>\n Profile<th style=\"padding:14px;text-align:left;\">Value Improvements<\/th>\n<th style=\"padding:14px;text-align:left;\">Annual premium<\/th>            \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">31\/2 Montreal Condo, 1st owner<\/td><td style=\"padding:12px;\">$15,000<\/td>$<td style=\"padding:12px;\">315 to $420<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Condo 41\/2 Laval\/Longueuil<\/td><td style=\"padding:12px;\">$25,000<\/td><td style=\"padding:12px;\">$385 to $510<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Condo 51\/2 Quebec\/Brossard<\/td><td style=\"padding:12px;\">$40,000<\/td>$<td style=\"padding:12px;\">470 to $620<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">High-end Montreal penthouse<\/td><td style=\"padding:12px;\">$80,000<\/td>+<td style=\"padding:12px;\">$700 to $1,100<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Rental condo (rented to a third party)<\/td><td style=\"padding:12px;\">$25,000<\/td><td style=\"padding:12px;\">$520 to $760<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Factors that affect your premium<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Value of improvements<\/strong> : high-end renovations = higher premium.<\/li>\n<li><strong>Third party liability limit<\/strong> : $1 million, $2 million, $3 million or $5 million (typical range: $30 to $90\/year).<\/li>\n<li><strong>Claims history of<\/strong> the syndicate and the co-owner.<\/li>\n<li><strong>Floor and materials<\/strong> : A 20th-floor concrete condo sometimes pays less than a 2nd floor wooden condo.<\/li>\n<li><strong>Security features<\/strong> : central alarm, sprinklers, connected smoke detectors = 5 to 15% discount.<\/li>\n<li><strong>Deductible chosen<\/strong> : $500, $1,000 or $2,500. A higher deductible reduces the premium by 8 to 20%. <\/li>\n<li><strong>Use<\/strong> : main residence vs. Airbnb rental vs. long-term rented condo.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-pitfalls-that-are-expensive\"><\/span>Common pitfalls that are expensive<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;padding:24px;border-radius:12px;margin:24px auto;max-width:1000px;\">\n  <h3 class=\"wp-block-heading\" style=\"margin:0 0 12px;color:#991b1b;\">Warning: these oversights cost up to $50,000<\/h3>\n  <ul style=\"margin:0;padding-left:20px;color:#450a0a;line-height:1.7;\">\n    <li><strong>Undervaluing improvements<\/strong> : 90% of co-owners report $10,000 when their renovations are worth $30,000+. In the event of a claim, the reimbursement is proportional. <\/li>\n    <li><strong>Omit the &#8220;costs incurred by the co-ownership&#8221; coverage<\/strong> : if you cause damage, you may be liable for the syndicate&#8217;s deductible ($25,000 to $50,000).<\/li>\n    <li><strong>Choose $1 million in civil liability<\/strong> : a fire that ravages several floors can quickly exceed the price. Take $2 million at least, $3 million ideally. <\/li>\n    <li><strong>Renting on Airbnb without notifying the insurer<\/strong> : your policy is void in the event of a claim during an undeclared short-term rental.<\/li>\n    <li><strong>Do not read the declaration of co-ownership<\/strong> : some copros classify balconies and terraces as exclusive private parts \u2014 it&#8217;s up to you to insure them.<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case-in-point-Sophies-water-damage\"><\/span>Case in point: Sophie&#8217;s water damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Sophie, owner of a 51\/2 condo in Plateau Mont-Royal, forgot a cracked washer hose in February 2026. The water damage caused $60,000 in damages: $35,000 at her home (cabinets, floor, furniture) and $25,000 at the neighbour downstairs. Here&#8217;s how the bill is distributed:  <\/p>\n\n<div style=\"overflow-x:auto;max-width:900px;margin:24px auto;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;\">Position<\/th>\n      <th style=\"padding:14px;text-align:left;\">Amount<\/th>\n      <th style=\"padding:14px;text-align:left;\">Who pays?<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Original floor and walls Sophie<\/td><td style=\"padding:12px;\">$12,000Syndicate<\/td> <td style=\"padding:12px;\">(less deductible)<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Sophie Cabinets  Upgrades<\/td><td style=\"padding:12px;\">$18,000Sophie<\/td> <td style=\"padding:12px;\">Policy<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Furniture  Personal Belongings Sophie<\/td><td style=\"padding:12px;\">$5,000Sophie<\/td> <td style=\"padding:12px;\">Policy<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Hotel for 3 weeks<\/td><td style=\"padding:12px;\">$3,200Sophie<\/td> <td style=\"padding:12px;\">Policy<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Damage to the bottom $<\/td><td style=\"padding:12px;\">25,000Sophie&#8217;s<\/td> <td style=\"padding:12px;\">civil liability<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Syndicate deductible rebilled to Sophie<\/td><td style=\"padding:12px;\">$25,000Coverage<\/td> <td style=\"padding:12px;\">for &#8220;co-ownership fees&#8221; Sophie<\/td><\/tr>\n    <tr style=\"background:#fef9e7;font-weight:700;\"><td style=\"padding:12px;\">Sophie&#8217;s total (excluding policy)<\/td><td style=\"padding:12px;\">$0Except<\/td> <td style=\"padding:12px;\">$1,000 deductible<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Without the &#8220;costs incurred by the co-ownership&#8221; coverage, Sophie would have paid $25,000 out of her own pocket. Without the $2 million civil liability, the neighbour would have sued her personally. With the right policy at around $520 per year, she only pays her $1,000 deductible.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-declaration-of-co-ownership-your-reference-document\"><\/span>The declaration of co-ownership: your reference document<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before subscribing, ask your syndicate for two crucial documents: the <strong>declaration of co-ownership<\/strong> (which defines the private and common portions) and the <strong>syndicate&#8217;s certificate of insurance<\/strong> (which indicates the coverages, limits and deductibles). Your broker will then be able to calibrate your policy so that it fits perfectly with the syndicate&#8217;s policy, without any grey areas. <\/p>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/rgcq.org\" target=\"_blank\" rel=\"noopener\">Regroupement des gestionnaires et copropri\u00e9taires du Qu\u00e9bec<\/a> publishes model declarations and guides for co-owners. The <a href=\"https:\/\/www.ibc.ca\" target=\"_blank\" rel=\"noopener\">Insurance Bureau of Canada<\/a> also offers a clear pamphlet on the division of responsibilities. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-cities-where-we-insure-your-condo\"><\/span>Quebec cities where we insure your condo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 covers co-owners in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Brossard<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and everywhere else in the province. Whether your condo is downtown, in the suburbs or in the regions, our <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener\">AMF-certified<\/a> brokers will find the right policy for your situation. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-condo-insurance-in-Quebec\"><\/span>Frequently asked questions about condo insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Is condo insurance mandatory in Quebec?<\/summary>\n\n<p class=\"wp-block-paragraph\">Since Bill 16 (April 15, 2020), the Civil Code of Quebec requires that the syndicate of co-ownership be insured. For the co-owner, the obligation is indirect: the declaration of co-ownership and civil liability make it almost impossible for him to be absent in practice. In addition, mortgage lenders routinely require proof of condo insurance before disbursement.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What exactly does the syndicate&#8217;s policy cover?<\/summary>\n<p class=\"wp-block-paragraph\">The syndicate&#8217;s policy covers the common portions (lobby, corridors, roof, parking, elevator) and the private portions <strong>in their original state<\/strong>, i.e. the walls, ceilings and floors as delivered by the developer. It also covers the civil liability of the syndicate, the directors and business interruption. It does NOT cover your renovations or personal belongings.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the typical deductible of a syndicate policy?<\/summary>\n\n<p class=\"wp-block-paragraph\">In 2026, the deductible for a syndicate policy ranges from $10,000 to $50,000 depending on the size of the condominium and loss history. For new buildings with less than 12 units, $10,000 to $25,000 is common. For large towers, $50,000 is becoming the norm. This deductible can be re-invoiced to the co-owner responsible for a claim \u2014 hence the importance of the &#8220;costs incurred by the co-ownership&#8221; coverage.   <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is &#8220;costs incurred by the co-ownership&#8221; coverage?<\/summary>\n\n<p class=\"wp-block-paragraph\">This is a coverage included in your condo policy that pays the syndicate&#8217;s deductible (up to $50,000 typical) if you are responsible for a loss that affects the building. Without it, if your washer overflows and causes $80,000 in damage, the syndicate can personally rebill you for its $25,000 deductible. Essential, and often included at no significant extra cost.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>How much liability do I have to take?<\/summary>\n\n<p class=\"wp-block-paragraph\">The recommended minimum in 2026 is $2 million, and $3 million if your condo has more than 2 bedrooms or if you often receive guests. In a tower, a fire that spreads to several units can generate claims of $1 to $3 million. The premium difference between $1 million and $2 million is often $30 to $60\/year: this is the best ratio in your entire insurance portfolio.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Does my policy cover Airbnb rental?<\/summary>\n\n<p class=\"wp-block-paragraph\">No, not by default. A standard condo policy covers regular residential use. To rent for a short stay (Airbnb, Vrbo), you must add a &#8220;short-term rental&#8221; endorsement or take out a hotel policy. Otherwise, your insurer may deny a claim caused by a tenant. In addition, several unions outright ban Airbnb in their building regulations.    <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Do I have to declare the renovation work to my insurer?<\/summary>\n\n<p class=\"wp-block-paragraph\">Yes. Any renovations over $5,000 must be reported in order for the value of the improvements to be adjusted. Otherwise, you will be compensated on the basis of the declared value, not the actual value. A hardwood floor redone for $12,000 that is not declared will be reimbursed proportionately in the event of damage.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What happens if I rent my condo to a long-term tenant?<\/summary>\n\n<p class=\"wp-block-paragraph\">You must purchase a condo landlord policy, which replaces the standard H6. It covers the structure of the improvements, the loss of rent (3 to 12 months), the landlord&#8217;s civil liability and the belongings you leave in the accommodation (appliances). Your tenant, on the other hand, must take out his or her own tenant insurance. Typical annual premium: $520 to $760.   <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Does the syndicate cover balconies and terraces?<\/summary>\n\n<p class=\"wp-block-paragraph\">It depends on the declaration of co-ownership. In most cases, the balcony is a <strong>private portion for exclusive use<\/strong> : the structure belongs to the syndicate, but its maintenance and contents (furniture, BBQ, pergola, wood floor installed) are at your expense. Some new copros include terraces in a whole private part \u2014 to be checked in your declaration.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I insure my condo with the same company as my car?<\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, and it&#8217;s usually advantageous. Insurers offer discounts of 5 to 15% for the car + condo pairing. An independent broker like Assur360 compares several insurers and automatically applies multi-product discounts, which can represent $100 to $300 in savings per year.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What value do I need to declare for my improvements?<\/summary>\n\n<p class=\"wp-block-paragraph\">Add up all your renovations since purchase, at replacement value. Include: replaced floors, cabinets, countertops, bathroom tile, recessed light fixtures, high-end paint, built-in furniture, wall-mounted air conditioning. For the average condo in Quebec, the actual value of improvements is often $20,000 to $50,000 \u2014 well above the $10,000 that most report by default.  <\/p>\n\n<\/details>\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What if the syndicate is not well insured?<\/summary>\n\n<p class=\"wp-block-paragraph\">Ask for a copy of the syndicate&#8217;s certificate of insurance at each annual renewal. If the coverage seems insufficient (insured amount lower than the cost of reconstruction), raise the issue at the general meeting. You can also ask your broker to increase certain personal coverage (living expenses, civil liability, condo coverage) to compensate.  <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is condo insurance mandatory in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Since Bill 16 (April 2020), the Civil Code requires that the syndicate be insured. For the co-owner, the obligation is indirect, but mortgage lenders systematically require proof of insurance.\"}},{\"@type\":\"Question\",\"name\":\"What exactly does the syndicate's policy cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The syndicate policy covers the common areas and the private areas in their original state (walls, ceilings, floors as delivered by the developer), the syndicate's liability, and the administrators. It does not cover your renovations or personal belongings.\"}},{\"@type\":\"Question\",\"name\":\"What is the typical deductible for a syndicate policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In 2026, the syndicate's deductible ranges from $10,000 to $50,000 depending on the size of the co-ownership. It can be charged back to the responsible co-owner.\"}},{\"@type\":\"Question\",\"name\":\"What is the coverage for expenses incurred by the co-ownership?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is a protection included in the co-owner policy that pays the syndicate's deductible (up to $50,000) if you are responsible for a claim affecting the building.\"}},{\"@type\":\"Question\",\"name\":\"How much liability coverage should I take?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A minimum of $2 million is recommended in 2026, ideally $3 million. The premium difference between $1 million and $2 million is often $30 to $60\/year.\"}},{\"@type\":\"Question\",\"name\":\"Does my policy cover Airbnb rentals?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, not by default. You need a short-term rental endorsement or a hotel policy. Many syndicates outright prohibit Airbnb.\"}},{\"@type\":\"Question\",\"name\":\"Should I declare my renovation work to my insurer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, for any renovation over $5,000. Otherwise, compensation is proportional to the declared value, not the actual value.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if I rent my condo to a long-term tenant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Take out a landlord co-owner policy. It covers improvements, loss of rent, and landlord liability. Typical premium: $520 to $760\/year.\"}},{\"@type\":\"Question\",\"name\":\"Does the syndicate cover balconies?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In most cases, the balcony is a private area for exclusive use: the structure belongs to the syndicate, but maintenance and contents are your responsibility.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure my condo with the same company as my car?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Multi-product discounts reach 5% to 15%, saving you $100 to $300 annually.\"}},{\"@type\":\"Question\",\"name\":\"What value should I declare for my improvements?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The replacement value of all renovations since purchase (floors, cabinets, countertops, ceramics, light fixtures). Often $20,000 to $50,000 for an average condo.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if the syndicate is not well insured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Request the insurance certificate at each renewal. Raise the issue at the AGM if insufficient and strengthen your personal protections.\"}}]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion-two-contracts-peace-of-mind\"><\/span>Conclusion: two contracts, peace of mind<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Owning a condo in Quebec means accepting that your protection is based on two pillars: the syndicate&#8217;s policy, which insures the building, and your personal policy, which covers your belongings, your renovations, your liability and protects you against the syndicate&#8217;s deductible. The two are complementary and absolutely inseparable. <\/p>\n\n<p class=\"wp-block-paragraph\">For less than $50 per month on average, a well-calibrated co-ownership policy prevents you from losses that can exceed $50,000 in the event of a major loss. Our AMF-certified brokers at Assur360 compare multiple insurers to find the coverage that fits precisely with your syndicate&#8217;s policy \u2014 no holes, no duplicates, no surprises. <\/p>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:56px 24px;border-radius:16px;margin:48px auto;max-width:1100px;color:#fff;text-align:center;\">\n  <h2 class=\"wp-block-heading\" style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-condo-today\"><\/span>Protect your condo today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;margin:0 0 28px;max-width:700px;margin-left:auto;margin-right:auto;\">Get a personalized quote in minutes or speak to an AMF-certified broker at <strong style=\"color:#10c4c7;\">1-866-357-4451<\/strong>.<\/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:#0d1f2d;padding:16px 32px;font-weight:700;border-radius:8px;text-decoration:none;\">Online<\/a>\n condo quote<a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:16px 32px;font-weight:700;border-radius:8px;text-decoration:none;border:2px solid #fff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/section>\n\n<div style=\"max-width:1000px;margin:48px auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;\">\n  <a href=\"\/assurance-condominium\/\" style=\"display:block;background:#fff;border:1px solid #e2e8f0;padding:24px;border-radius:12px;text-decoration:none;color:#0d1f2d;\"><strong>Condo Insurance (full page)<\/strong><br \/><span style=\"color:#64748b;font-size:14px;\">Detailed Coverage Guide<\/span><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"display:block;background:#fff;border:1px solid #e2e8f0;padding:24px;border-radius:12px;text-decoration:none;color:#0d1f2d;\"><strong>General Home Insurance<\/strong><br \/><span style=\"color:#64748b;font-size:14px;\">House, cottage, rental unit<\/span><\/a>\n  <a href=\"\/assurance-copropriete\/\" style=\"display:block;background:#fff;border:1px solid #e2e8f0;padding:24px;border-radius:12px;text-decoration:none;color:#0d1f2d;\"><strong>Condominium insurance (syndicate)<\/strong><br \/><span style=\"color:#64748b;font-size:14px;\">For Boards of Directors<\/span><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2026 Guide &#8211; Condominium Insurance Condo insurance in Quebec: why you need two different contracts Unlike a single-family home, a condo in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Quebec 2026 condo insurance: 2 mandatory contracts + price","_seopress_titles_desc":"All about condo insurance in Quebec: syndicate policy vs co-owner, 2026 prices, deductible, Bill 16. 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