Condo Unit Owners

Owning a condo is different from owning a traditional home and so is the insurance coverage.

Middlesex Mutual Insurance has affordable insurance protection for your type of condo. When you combine your condo and auto insurance you save more.

Our agents are here to answer any questions you have.

Insurance basics for condominium owners


  • Condominium ownership means you own the individual unit you live in, and share in the ownership of common spaces. Common spaces can be within the building (e.g. corridors and foyers), the grounds around the building, and any shared amenities (e.g. swimming pools, recreation rooms).
  • You and the other owners of units within your building manage the common areas through an owners' association. The association makes decisions about using and maintaining the common space, and sets your condo fees.

There are 2 separate insurance policies that work together to protect your property:

  • Condo insurance bought by you.
  • Condominium corporation insurance to protect the building, common elements and liability. Part of your monthly condo fees pay your portion of the premium.

There are seven main coverages included in our condo policy:

In addition to coverage for your personal contents, extra living expenses, water shield and personal liability, our coverage also includes extra coverage specific to condominiums for:

Additional protection for the building

Coverage to safeguard you in the event the insurance carried by the condo corporation is not enough.

Unit improvements and betterments

Coverage to protect the permanent upgrades you make to the interior of your unit such as upgrading your flooring from carpet to hardwood.

Loss assessment coverage

Provides coverage for your share of the condo corporation's deductible in the event of a covered loss.

Check out the Insurance Bureau of Canada site for more information about condominium insurance and how to protect yourself in the event of an insured loss.

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.