Protect your condominium with the most recommended consumer insurer
Quebecers have trusted us for a long time now to keep a watchful eye on their condos. Our expert advisors offer you the best coverage for your situation. That’s the benefit of insuring your condo with a local mutual insurance association.
Local advisors who understand you
Personalized, affordable coverage
A local organization involved in your community
to help
you save
At Promutuel Insurance, we offer condo owners a host of terrific discounts. It’s a great way to pay less for insurance!
Winning combination
Alarm system discount
Leak detection system discount
Multi-residence discount
SPOTLIGHT ON
Leak detection
A great way to avoid the worst and get a terrific discount.
Take advantage of benefits designed for you
Condo owners should have two types of insurance policies. In the event of a claim, each policy will likely provide a portion of the compensation.
A condo owner’s policy (for your individual unit) covers:
A condo owner’s policy (for your individual unit) covers:
- Your personal property
- Third-party liability
- Your unit and improvements
- Apportionment
The contract of the co-owners' association
A homeowners’ association policy covers things like the main building, the common areas, and third-party liability for the homeowners’ association and its officers and board members.
Recommended coverages
Together, these types of coverage provide a solid foundation for your condo insurance. And that’s essential—for you and your property!
Third party liability insurance
Covers the financial consequences of accidental property damage or injury to another person.
Property insurance
Covers your personal property and any improvements you have made against most types
Coverage that makes sense
Enhance your condo coverage with practical, customized extras. More comprehensive coverage for more peace of mind!
Water Damage that originates from Ground Water and Sewers
This coverage, available under certain eligibility conditions, offers protection against, among others, damage caused by leaks, overflows or backups of French drains, sewers, septic tanks, drain fields, ditches or sumps. It also covers damage caused by ground or surface water seeping into the building through walls, foundations or basement floors.
Water Damage that originates from Above-ground Water
This coverage, available under certain eligibility conditions, offers protection against damage caused by discharges, overflows or backups of gutters or downspouts. It also covers damage caused by rain or snow seeping in through the roof, walls, doors or windows of the building.
Swimming pools and spas
This coverage offers protection against, among others, damage caused by freezing and thawing, as well as the weight of snow or ice. It also covers equipment, patios and decks not attached to the building that give direct access to the pool or spa.
Water Damage that originates from an Overflow of Body of Water
If the water reaches the insured premises, this coverage offers protection against damage resulting from the rising or overflow of any stream or body of water, whether natural or man-made, and dam breaks. It can only be offered if combined with the coverage protecting against water damage resulting from ground water or sewers, and under certain eligibility conditions.
Earthquake damage
Covers fire, explosion, and smoke damage caused by an earthquake.
Juripro Insurance
Juripro legal insurance offers financial assistance to protect your rights (court fees, legal fees, etc.), as well as assistance in the event of identity theft.
All kinds of tips for the place you call home
Our experts share their knowledge, tips, and tricks. Must-read articles to help you choose the right condo insurance, protect yourself, and prevent damage. Happy reading!
