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Home and Condo insurance protects the place you call home.
At Collings Insurance Brokers, we provide comprehensive coverage for detached homes, townhouses, and condo units, tailoring each policy to fit your lifestyle. With our expert guidance, you can feel confident knowing your most important investment is protected.
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How home and condo insurance can protect you.
Our team will approach your home and condo insurance policy with care – ensuring you have the right coverage for your dwelling.
Home insurance helps protect the structure of your house, your belongings, and even outbuildings like garages or sheds. Condo insurance, on the other hand, covers your personal possessions and provides limited protection for the interior of your unit, complementing your condo corporation’s policy.
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Coverage for what’s important to you
Home and Condo Insurance is designed to cover a variety of incidents including but not limited to:
- Fire, theft, and weather damage
- Water damage from sudden leaks
- Liability if someone is injured on your property
- Living expenses if your home becomes unlivable
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers the physical structure of your home—such as the walls, roof, and foundation—against covered risks like fire, storm damage, or vandalism.
Covers legal costs, settlements, and medical expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Covers your belongings—like furniture, clothing, and electronics—if they’re stolen, damaged, or destroyed by a covered loss.
Frequently Asked Questions
Home insurance covers the structure, belongings, and liability for detached houses and townhomes. Condo insurance is tailored to protect your personal belongings and the interior of your unit, while tenant insurance focuses on belongings and liability for renters.
Yes — condo insurance can extend protection beyond your personal belongings. Coverage may include deductible assessments (if the condo corporation charges you for part of the building’s deductible after a claim), betterments and improvements (any upgrades you’ve made to your unit, like new flooring or custom finishes), and additional condo protection to help fill gaps not covered by the condo corporation’s policy. This ensures you’re not left paying out of pocket for costs unique to condo ownership.
Special limits are maximum amounts your policy will pay for certain types of items, such as jewelry, bicycles, electronics, or collectibles. Even if your overall coverage limit is higher, these categories often have their own caps — which is why many homeowners choose to add extra coverage or schedule valuable items separately.