Condo Insurance

Find the right condominium insurance solutions for your needs

At Allstate, we’re always ready to provide you with insurance advice and help you get the best insurance discounts.

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Why you need quality coverage for your condo

Condo homeowners have unique insurance needs. Your condominium corporation will have insurance for the building and common areas, like elevators or the front lobby. However, you still need the right personal condo insurance to protect your personal belongings. This type of policy will cover parts of your unit not covered by the condo corporation’s insurance. It will also protect you against liability if you cause property damage by accident or if someone is injured while on your property.

Allstate offers a range of insurance options for condo dwellers across Canada.

Here’s what Allstate’s condo insurance policy covers

Additions and Alterations

Covers upgrades (e.g. built-in sound systems, custom counters) to your unit that might not be considered part of the standard condo unit by your condo corporation.

Unit Contingent Coverage

Provides additional coverage to your unit if your condominium corporation’s insurance is insufficient.

Loss Assessment Coverage

Provides coverage (up to a stated limit) to cover major property and liability losses for common condo elements (e.g. swimming pool, laundry room, fitness room) when a special assessment is levied against you and other unit holders. Provides protection in the event you are assessed a portion of a loss due to the condo corporation’s deductible.


Condo insurance policy provides liability coverage when someone not living with you is injured while on your property. Bodily injury liability coverage can help save you from legal and/or medical expenses that may follow, if you are found at fault.

Personal Property Protection

This covers your personal belongings (depending on the value) if they're stolen, damaged or lost. Expensive belongings such as jewelry, furs, and antiques may require extended coverage to cover their full value. It’s a good idea to keep an inventory of all your personal belongings.

Make keeping tabs of your possessions a breeze. Sign up for myLocker, our FREE online home inventory tool that will help you organize your personal belongings. myLocker is an exclusive service to myAllstate customers.


Your coverage options

VIP Package Basic Coverage


  • All risk for contents (subject to exclusions specified in the policy)
  • Replacement cost (replaces contents with items of similar value, without depreciation)



  • Covers contents for “named perils" (subject to exclusions specified in the policy)
  • Replacement cost (replaces contents with items of similar value, without depreciation.)


Find out the three questions every condo buyer and owner should ask.
Visit our blog for more condo owner tips

Allstate agents are always ready to answer your insurance questions and guide you through your coverage options.

Get a condo insurance estimate now.


Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region.
* Rates will not be increased or surcharged if insured submits no more than one claim every 5 years.
** Claim Forgiveness does not protect your Disappearing Deductible.
This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.