Get the condo insurance you need to protect your belongings and yourself.

Your condo corporation’s insurance generally covers the main structure and common areas. But some items are your responsibility, such as your belongings, any unit improvements and betterments, loss assessments, etc. Our Global Amount Coverage is designed to fill these gaps. We'll work with you to determine an appropriate limit for your belongings and then provide 10x that amount for unit improvements and betterments, loss assessments and additional living expenses.

Feel confident your condo is protected with TD Insurance

  • All risks: This covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.
  • Personal liability: You’re protected in case a visitor gets injured inside your home, or if you’ve accidentally damaged someone’s property and have to pay for the damages.
  • Additional living expenses: If you can’t live at home while repairs are being made because of a claim, we’ll cover your temporary additional living expenses.
  • Unit Improvements: You’re covered for any upgrades made to your condo since it was built.
  • Loss assessment: Covers your portion of any shared costs that occur as a result of an eligible loss assessment by the condo corporation.
  • Common areas: We’ll protect you against liability for any major repairs to common areas.
  • Legal and home assistance*: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors. Learn More

Enhanced Home Coverage for your condo

In addition to the coverage above, you can get Enhanced Home Coverage for even more protection for your condo:

  • Family coverage : Offers protection for situations like cyberbullying and parents living in nursing homes. Learn More
  • Eco-efficient rebuild: Provides additional coverage above and beyond the cost of repairs to allow for eco-efficient upgrades following a covered loss. Learn More
  • Claim forgiveness : Your premium won’t increase at renewal just because you submitted a claim. Learn More
  • Enhanced limitations: Increase the amount of coverage for high-value items, such as fine art, wine, spirits, some collectibles, jewellery and more.

Get even more coverage for you condo with optional add-ons

Customize your condo insurance to suit your unique needs and preferences with additional add-ons.

Ways to save on condo insurance

  • Online Quote Savings

    Enjoy extra savings when you get a home insurance quote online.

  • Home Security Savings

    Get rewarded for having a connected alarm for water damage and theft or fire.

  • Multi-home Savings

    If you’re getting insurance for multiple homes, you can save.

  • Multi-product Savings

    Save even more when you get car insurance with your home insurance.

Ready to get started?

Frequently asked condo insurance questions

1In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

210% Home Insurance Savings (not available in Quebec)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
- 5% Buy Online Discount in the first policy term for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

35% Savings on Home Insurance (Quebec only)
Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence Please speak to an Advisor or consult your policy wordings for further details.

Where applicable. Car insurance not available in British Columbia, Manitoba, or Saskatchewan.

Savings apply to premiums charged for base contract and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6"

Have a question? Find answers here