End of the agricultural season
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Information to have on hand
Here is some useful information to have on hand in order to receive your quote quickly.
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured
- Your other insurance policies (home, recreational vehicles), to check for bundling discounts
- For condo unit owners
- Year of construction and number of units in the building
- Presence of a commercial space in the building
- Presence of a condominium association (syndicat de copropriété)
- Type of co-ownership: divided or undivided
- Desired coverage amounts for your belongings
- Mortgage information
Unit improvements and betterments
- Improvements exceeding the building’s original construction standards (e.g., countertops, bathrooms, or high-end finishes)
Condo insurance: protecting your unit and everything that comes with it
The condominium association insures the building where your condo is located. That coverage applies to the structure and the common areas. It does not cover your personal belongings, or the improvements and betterments made to your unit. Separate condo insurance protects your belongings and the improvements you have made to your living space.
To learn more about the role of the condominium association and the coverage that applies to the building, see our page on condominium association insurance.
Your condo insurance also includes general liability coverage. It can help if you accidentally cause property damage or bodily injury to another person.
This protection may apply in the event of a claim or lawsuit, whether the incident happens at home or elsewhere in the world.
A La Turquoise broker can help you distinguish what falls under the condominium association’s insurance from what remains your responsibility.
You receive personalized guidance and coverage tailored to your type of co-ownership.
Contact us for a quote
Recommended coverage
Condo insurance protects what falls under your responsibility as a unit owner. It covers your belongings, certain improvements made to your unit, and certain losses that could affect other people or their property.
General liability coverage
General liability coverage protects you if you accidentally cause injury or property damage to another person, whether inside your condo or anywhere in the world.
- A visitor is injured after a fall in your unit.
- Your pet causes damage in the building or elsewhere.
- Coverage applies even outside your home, anywhere in the world.
Improvements to your unit
This coverage applies to improvements made to your condo after its original construction.
- A laminate kitchen countertop is replaced with a quartz countertop.
- New wood flooring is installed after carpet removal in the condo.
- A shower is renovated with higher-grade materials.
Living expenses
If your condo becomes uninhabitable following a loss, this coverage helps pay certain temporary expenses. It allows you to maintain your routine for the duration of the repairs.
- Meals during the temporary relocation period.
- Temporary housing while your unit is being repaired.
Personal property coverage
This coverage applies to the contents of your condo, such as your furniture, appliances, and personal belongings. It allows you to repair or replace your property when it is damaged in a loss.
- A fire damages your personal belongings.
- A theft occurs in your unit.
Sudden and accidental water damage
Condo insurance includes coverage for certain water damage caused by a sudden incident inside the unit.
- A washing machine overflows and causes water damage in the unit.
- A dishwasher breaks and causes damage.
Optional coverages
Certain optional coverages can be added to your condo insurance to address specific situations. They allow you to extend your coverage for certain types of damage, fraud, or legal proceedings.
Sewer back-up
Sewer back-up coverage applies to certain damages caused by an accidental overflow of the sewer system, including surface repairs and replacement of damaged belongings in your unit.
If damage to the building makes your unit uninhabitable, your temporary relocation expenses are also covered.
- Water backing up through a drain or toilet.
- Floors, walls, or furniture damaged following a sewer back-up.
- Temporary accommodation expenses if your unit is uninhabitable due to building damage.
Legal expense insurance
Legal expense insurance can provide financial compensation for certain costs incurred during legal proceedings. It also gives you access to legal assistance to guide and support you in certain disputes.
- Legal consultation to understand your rights in a conflict.
- Reimbursement of certain fees in an eligible dispute.
- Support to initiate certain legal proceedings.
Above-ground water damage
This coverage applies to certain damages caused by water entering your unit following a sudden incident. This may include rain or snow infiltrating through the roof, walls, or an opening.
- Sudden rain entering through an open window.
- An ice dam on the roof causing water infiltration.
Identity theft protection
Identity theft protection helps with certain costs related to fraud, identity theft, or a cyberattack. It also includes assistance to support you through the steps needed to restore your identity and manage the consequences of the incident.
- Helps with the cost to replace identity cards or documents.
- Assistance to initiate the required steps following fraud.
- Professional advice and support to restore your situation.
Save on your premium
Your La Turquoise broker helps you identify the discounts that apply to your situation. Savings vary depending on your profile and the coverage you choose.
Auto and home discount
Bundling your auto and home insurance with La Turquoise may reduce your premium. This combination can sometimes result in a more competitive rate by grouping multiple coverages with the same insurer.
Fire and theft alarm system
Installing a fire and theft alarm system may reduce your home insurance premium. This type of device lowers the risk of a loss and may qualify you for a discount with certain insurers.
FADOQ member (Fédération de l’âge d’or du Québec)
Certain insurers offer advantages to FADOQ members. In addition to a discount on auto and home insurance, some programs may include additional coverage or services for eligible members.
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
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Your questions about condo and unit owner insurance
Do you have questions about condo insurance in Quebec? This section answers the most common questions about condo insurance in Quebec: the coverage available, your obligations as a co-owner, and the factors that may affect your premium.
No. The association’s insurance generally covers the building, the common areas, and the original portion of each unit, such as the original cabinets, bathtub, or plumbing installed during construction.
It does not cover your personal belongings or the improvements you have made to your condo. To be properly protected, you need to insure your belongings, your improvements, and your general liability. This distinction matters, as many losses originate within an individual unit.
Yes. In Quebec, Bill 141 requires every unit owner to hold at minimum a general liability coverage. This coverage is meant to protect against damages you could cause to other people or other parts of the building.
Beyond this legal requirement, your building’s declaration of co-ownership may require additional coverage.
For example, it may set minimum general liability amounts or require certain limits related to improvements made to your unit.
Before choosing your condo insurance, review the declaration of co-ownership to verify the coverage required by your condominium association.
Your condo insurance generally covers your personal belongings, such as your furniture, clothing, and electronics. It also covers improvements made to your unit, such as flooring or cabinets of better quality than the originals.
It also includes general liability coverage, which protects you if you cause damage to another person or their personal property.
If your unit becomes uninhabitable following a loss, your insurance may also pay your additional living expenses, such as temporary accommodation.
In some circumstances, it may also cover your share of damages to the common areas when the condominium association carries out repairs to the building.
If water originating from your unit causes damage to a neighbour, your general liability coverage may cover those damages.
In addition, if the association must carry out repairs to the building following a loss, it may bill you for a portion of the cost. In this type of situation, your insurance may protect you from unexpected and significant expenses.
Yes. You must insure all improvements that were not part of the original unit. This includes, for example, a quartz countertop installed after purchase, higher-quality flooring, or a ceramic shower.
The association covers only the standard unit as defined in its documents. Without adequate insurance, reimbursement for the added value of your renovations could be denied in the event of a loss.
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