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Condo Insurance

Get the right level of coverage for your condo at an affordable price

Wawanesa is not currently offering new condo insurance while we make some important changes to serve you better. If you need help with your existing Wawanesa, please call us at 800-640-2920.

Coverage That's Beyond Your Condo Association’s Master Policy

The master policy that most condo associations hold covers the building's structure and common areas. The condo owner is responsible for insuring their unit’s interior areas, such as the cabinets, flooring, and walls. It’s also up to the owner to buy coverage for all their possessions housed within the condo, including furniture, appliances, electronic equipment, and personal belongings.

Affordable Condo Insurance Coverage by Wawanesa

Condo Insurance Coverage

Basic condo insurance from Wawanesa includes coverage for the interior of the unit — the items usually not covered by the association’s master policy. The policy would generally cover items like your personal belongings (such as furniture, electronics, etc.), cabinets, counter tops, bathroom and kitchen fixtures, and other interior improvements. A Wawanesa policy also provides liability protection and helps pay medical expenses to others if injured at your home.

Learn about coverage options and customizing your condo insurance policy.

Condo Insurance Coverage

Condo Insurance Discounts

Wawanesa offers a wide array of discounts that can help reduce your condo insurance rates even more. The non-smoker, safety device, or multi-policy discount (simply bundle your condo and auto policies) are just a few of the easy ways to score extra savings.

Discover all the discounts Wawanesa offers.

Condo Insurance Discounts

Get a Condo Insurance Quote

It’s easy to buy your condo insurance policy. Start your quote online or call 800-640-2920 to discuss coverage options with one of our helpful agents.

Get a Quote

Understand Your Condo Insurance Coverage

A condo insurance policy consists of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are terms commonly used in condo insurance.


The protection and benefits provided to you by your insurance company.

Covered Perils

The events that your insurance company agrees you’ll be reimbursed for should you file a claim.

Effective Date

The date your policy begins.

Dwelling Coverage

In condo insurance this coverage would cover items within your unit not the structure of the home.


The amount you’re responsible for paying before your insurance coverage kicks in.


Items or events not covered by the insurance policy.

Liability Coverage

Covers your legal responsibility.

Loss of Use

Coverage that helps pay for temporary accommodation after a covered loss.

Personal Property

Covers your belongings such as, jewelry, furniture, clothing, and electronics, if damaged or stolen.

Personal Liability

Coverage that helps pay for bodily injury claims and property damage sustained by others if you’re responsible.

Medical Payments to Others

Covers minor injuries sustained by others in your home.

Find Your State’s Condo Insurance

Shopping for condo insurance is easy when you choose Wawanesa. You’ll find coverages to fit your needs and discounts to fit your budget. Find out just how affordable reliable condo insurance can be.

Frequently Asked Questions About Condo Insurance

What is condo insurance?
Condo insurance generally covers the items not covered by your association’s master policy, (the inside of your unit) such as the floors, walls, bathroom and kitchen cabinets in your condo. It also covers your personal belongings, medical payments to others, your personal liability, and loss of use in case you need to move out in the event of a covered loss.
Why do I need condo insurance?

You need condo insurance for several reasons.

  • If you have a mortgage, the bank financing your loan needs to protect their investment.
  • You need to protect your personal possessions, as they’re not covered by the association’s master policy.
  • Some condo associations require or mandate that condo owners carry additional insurance.
  • You need protection against liability and others being injured on your property, for example, if your dog accidentally bites a visitor.

Learn more about condo insurance coverage offered by Wawanesa.

How much is condo insurance?
Condo insurance rates can differ greatly due to many variables. Your premium will be calculated by factoring in the age, location, and other attributes of the condo, as well as the value of your personal belongings and the types of coverages you choose.
Why should I buy my condo insurance from Wawanesa?
A condo insurance policy from Wawanesa provides good coverage at a great price. You’ll benefit from money saving discounts, customizable coverage, and great customer service. When you need help, whether it’s to file a claim or make changes to your policy, our helpful agents are available.

Have more questions on condo insurance? Visit our FAQs page to find answers on common questions relating to coverage, discounts, and more.

Condo Insurance FAQs


Please note that this website provides only a summary of condo insurance to generally illustrate how condo insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

Get a Quote Today