Condo insurance

Protect your home with condo insurance

Protect your biggest investment with Onlia and save 20% when you bundle with car insurance. Quote and buy online. Cancel anytime.
Condo couch with pillow and blanket
How it works

Insurance made easy

Quote and buy online

Get a quote in minutes, buy on the spot, and be covered as early as tomorrow. No brokers or paperwork required.

Make changes anytime

Life changes quickly. Adjust your policy online when you need your insurance to keep up.

Help is always here

The insurance may be online, but our caring team is just a phone call away with 24/7 claims service.
Coverage for condos

How you’re protected

Fire damage

Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.

Flood and water damage

Comprehensive overland water protection, covering flooding and sewer backup.

Coverage for special assessments

Coverage when you’re obligated to help pay for damage to your condo building’s shared spaces.

Theft and break-ins

Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home, or someplace else.

High-value items

Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $2,500.

Home Improvements

Coverage for the improvements you make to your condo, like new fixtures or kitchen cabinets.

Emergency accommodations

We cover accommodation and living expenses for you and your family if something happens to your home that makes it unfit to live in.

Personal liability coverage

Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.

Home sharing

Occasionally rent out your home through Airbnb or another sharing service? We’ll cover your property.

Identity theft

If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

Start a quote to see more details about Onlia's coverage and how it protects you. Or, check out a sample home policy.


Ways to save on condo insurance

We apply eligible discounts to your quote automatically, so you always get the best available price. Learn more.

Home & Auto Bundle

Save 20% on home and 15% on auto when you bundle up with Onlia.

Credit Score

Save up to 50% for your good credit score.

Monitored Alarm System

Save 5% for protecting your home with a connected alarm system.

How condo insurance works

How condo insurance works

How does it help me?

You get financial protection if your condo, or the things inside it, are damaged or stolen. From fire and water damage to theft and break-ins, condo insurance covers the cost to repair or replace your property so that you don’t have to.

Do I need condo insurance?

You’ll need condo insurance if you’re taking out a mortgage to buy it. Banks and mortgage lenders in Ontario require that you have insurance before approving a mortgage loan.

How much coverage do I need?

That depends on what you need to protect! Before buying insurance, do an inventory of your condo to determine how much coverage you need.

Does condo insurance only cover my property?

Condo insurance provides personal liability protection if you’re sued. You also get coverage for your condo building’s shared spaces if you’re obligated to help cover damage to them.
Here when you need us

24/7 claims service

The insurance may be online, but there’s a team of humans ready to help when you need it. We’ll guide you through every step of a claim and make sure you get the coverage available in your policy. We’ll also arrange for any repair services or alternate accommodations you need.

Frequently asked questions