Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
advisor@assurena.com admin@assurena.com
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

Monday
9.00 - 5.00
Tuesday
8.00 - 5.00
Wednesday
8.00 - 5.00
Thursday
8.00 - 5.00
Friday
8.00 - 4.00
Satureday
Closed
Sunday
Closed
Condo Insurance

Condo Insurance By Hawkins Insurance Agency .

Condo Insurance provided by Hawkins Insurance Agency .

The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

Established in 1982
100% customer satisfaction
Experience Of 30+ Years
60+ Insurance options

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  • Personal Property
  • Building Property
  • Additional Living Expense
  • Loss Assessment
  • Liability
  • Guest Medical

Personal property Coverage

Risk Factors

Your personal property which includes furniture, clothes and other collectibles are also exposed to risk which can cause a great loss.

Solution

Personal property coverage protects your belongings that aren’t fixtures in your home. This includes clothes, furniture, portable appliances and other possessions that aren’t affixed to your unit. As with building property coverage, you will only be able to file a personal property claim if the episode is a covered event, and coverage will only extend up to your policy’s limits.

Building property Coverage

Risk Factors

Your building property might get damaged by events like fire, flood and hail.

Solution

This protects you financially from damage to the interior of your condo unit resulting from a covered event, such as fire or wind damage. Up to your policy’s limits, it will cover damage to your floors, walls, tiles, cabinets and other permanent fixtures in your condo.

Additional living expenses Coverage

Risk Factors

In case your condo catches fire, you are bound to stay in hotel till your condo is back to normal and pay for hotel accommodation from your own pockets.

Solution

Additional living expenses (ALE) also known as loss of use helps pay for extra living expenses such as lodging, meals, laundry and pet boarding if you cannot live in your condo because of a problem covered by the policy (such as a fire).

Loss Assessment Coverage

Risk Factors

If a common area such as a parking garage of the condo is damaged due to flooding, you are liable to pay a part of the expense cost along with other people.

Solution

Loss Assessment coverage is an important feature of condo insurance because you share in the responsibility with the other condo owners for the condominium building and common areas. That means that if there is a special assessment (an added fee that is on top of your monthly condo fees) levied on your condominium building, all the condo owners must split the cost of the assessment.

Liability Coverage

Risk Factors

You are liable to any damage which is caused by you or your family in the condo premises.

Solution

This covers accidental injuries and damage to others which can also include your dog biting someone or your child kicking a soccer ball through neighbours window.

Guest Medical Coverage

Risk Factors

There may be a possibility that a guest arrives at your house and gets himself injured unknowingly. You are liable to pay for his medical expenses.

Solution

If a guest is injured at your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.

What is Condo Insurance?

Condo insurance is coverage that helps protect against losses and repair costs for a condominium unit. Condo insurance often provides protection for theft, vandalism, fire damage, water damage, and more.

Why do I need Condo Insurance ?

Condo insurance can still come in handy, even if your condominium association has their own coverage. Their insurance might cover the condominium building, commonly owned property, and liability insurance for the association.

Unfortunately, there are many cases where that insurance policy won’t cover you or your things—like a break in, water damage to your living room walls, or someone injuring themselves slipping on your wet kitchen floor. That’s why you need condominium insurance designed specifically for condo or co-op owners.

Condominium policies help protect your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others.

What does a Condo Insurance policy cover?

The articles of the condominium association and state law determine exactly what’s covered under the association’s master insurance policy.

In most cases the association’s coverage stops after the exterior walls meaning that you are responsible for the interior walls and possibly for fixtures, as well as your personal property and liability. This is where your own personal condo policy would come in. Most policies will include coverage for losses arising from:

  • Fire or lightning
  • Windstorm
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Accidental Discharge of Water
When it comes to insurance for your condo unit, you should make sure you have the coverage that fits your needs. We can help you tailor a condo insurance policy that’s right for you, contact us today !

Already Have Condo Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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