Two insurance policies are in effect for condominiums: one that covers each co-owner and one that covers the condo’s corporation. Depending on the nature and extent of the damage, it’s likely you’ll be indemnified under one or other policy, or both. Here are their features.

As a co-owner, you’re responsible for insuring your personal property, improvements, distribution and liability.

  •    Personal property
  •    Distribution
  •     Improvements made since construction, which means works or expenses that add value to your unit 1
  •    Liability

Examples of improvements

  •     Changing the kitchen cupboards
  •     Changing the floor covering
  •     Adding a heat pump
  •     etc.

You must inform your insurer and your corporation about any improvements you make to your unit. Thus, in case of loss, your insurer will replace your damaged property with property of a similar quality.

Consult your insurer to know the protections offered by your contract.


What is distribution?

They are the sums your condo corporation's insurance will incur for the payment of its deductible and the repair of its damages.



1 Effective since December 13, 2018, changes to the Civil Code of Quebec require your condo corporation to have a description of the private portions of a “reference unit”:   

  • This obligation is effective if your condo corporation was constituted on or after June 13, 2018.  
  • If your condo corporation was constituted before June 13, 2018, you have until June 13, 2020 to provided this description. 

 The only thing not included in this description are any improvements. 

Your building’s condo corporation is required by law (Quebec Civil Code) to have insurance against the usual perils (theft, fire, etc.). It must hold insurance for an amount that corresponds to the replacement cost of the building.

Unlike the co-owner’s policy, the condo corporation’s policy is a business insurance policy.

The condo corporation’s insurance must also cover:

  • The building itself, which includes the common portions, such as lobbies, corridors, stairs, elevators or the roof
  •     The building portion of the private portions (units of each co-owner), such as walls, floors or windows
  •     The unit’s original installations, including kitchen cupboards or the bathtub, (excluding improvements)
  •     Property which belongs to it, such as furniture on the roof deck
  •     Civil liability of the syndicate (mandatory)
  •     Administrators’ liability
  •     Must include a “replacement cost” endorsement for the building

The corporation's insurance covers all damage to the building, taking into account the plans and specifications of the general contractor that built the building, for both the common and private portions.

After a loss, the condo corporation’s insurance will restore your unit to the state it was in at the time of construction, while your own home insurance will indemnify you for the improvements you made (i.e., the difference in price between the original unit and the unit today, with the improvements you made).

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