{"id":4207,"date":"2026-09-25T18:51:40","date_gmt":"2026-09-25T18:51:40","guid":{"rendered":"https:\/\/lareau.ca\/en\/?p=4207"},"modified":"2026-09-25T18:51:40","modified_gmt":"2026-09-25T18:51:40","slug":"condo-insurance-who-insures-what-between-the-condominium-corporation-and-the-unit-owner","status":"publish","type":"post","link":"https:\/\/lareau.ca\/en\/article\/condo-insurance-who-insures-what-between-the-condominium-corporation-and-the-unit-owner\/","title":{"rendered":"Condo insurance: who insures what between the condominium corporation and the unit owner?"},"content":{"rendered":"

In a condominium, condo insurance relies on two complementary types of coverage: the condominium corporation\u2019s insurance policy and the unit owner\u2019s insurance policy. Yet many people are unsure where one policy ends and the other begins. This confusion can lead to significant costs when a loss occurs.<\/span>\u00a0<\/span><\/p>\n

According to the Insurance Bureau of Canada (IBC), nearly one condominium owner in five is unaware that they are covered by two separate insurance policies, and half do not know the amount of the deductible their condominium corporation would have to pay in the event of a claim.<\/span>\u00a0<\/span><\/p>\n

Here is a clear overview of who insures what, who pays in the event of a loss, and what to review to avoid unpleasant surprises.<\/span>\u00a0<\/span><\/p>\n

At a Glance<\/span><\/b>\u00a0<\/span><\/h3>\n