Assurance habitation - Copropriétaire | Lussier Dale Parizeau

Home Insurance - Condo Owner

Lussier Dale Parizeau's Condominium Insurance offers comprehensive coverage for all types of owners. Let the brokers of Lussier Dale Parizeau show you the extent of coverage available.

When it comes to insuring your condo, one must make the difference between the insurance of the building, which is covered by the condominium association, and the insurance for the contents of your unit, that you should purchase individually as a condo owner.

Condominium Insurance

As a condo owner, you need insurance for your personal property, your civil liability, but also your liability for the common portions of your condo in case of failure of the condominium association insurance, and finally for improvements made to your unit: this is the Condominium Insurance.

It will also be up to you to assess the replacement value of your property: your furniture, appliances, movie and music collections, clothes, jewels, etc.

To sum things up, Condominium Insurance covers everything within the walls of your unit. If you replace your sink, install new cabinets or change tiles, these improvements are also covered by your insurance policy. Home improvements made by the previous condo owners should also be taken into account. You just have to make sure that the limit of insurance is sufficient to rebuild these home improvements in the event of a claim.

With our Civil Liability, you are covered if a guest is injured in your home or if your barbecue catches fire and damages your neighbour’s condo.

How about getting an online quote for your insurance? Your Condominium Insurance is just a few clicks away!

 

HOME INSURANCE REQUEST

*This form takes less than one minute to complete.

 

Building Insurance (Co-Ownership/Community)

When buying a condo, you become the sole owner of your unit. The building and the common areas (i.e. the entrance hall, the staircase or the lift) belong to all co-owners.

The building is managed by the condominium association, which includes administrators in charge of the maintenance of the building. As a co-owner, you will take part of the building management and vote the annual budget of the condominium association, to which you contribute each month with your condo fees.

The Building Insurance has to be purchased by the condominium association.

Did you know that Lussier Dale Parizeau has proven expertise in Building Insurance for condominium associations? Our team of specialized brokers will be happy to advise you over the phone or by email.

Types of Coverage

  • Basic Compulsory Coverage

    Lussier Dale Parizeau’s Condominium Insurance is always offered with a choice of coverage – Basic, Broad or Comprehensive Form.

    • Civil Liability
    • Property Insurance
  • Optional Coverage and Specialty Programs

    • Replacement Cost with no obligation to rebuild your house or replace your property in case of a loss
    • Legal Insurance
    • Homeworker
    • Insurance for in-ground/above-ground pool, spa and sauna
    • Valuables
    • Secondary or seasonal residence
    • New homes under construction
    • Minor or major renovation work
    • Water damage
    • Oil leak
    • Earthquake
    • Luxury home – First Class by Lussier Dale Parizeau
  • Aladdin program as an addition to your home coverage

    • Telephone assistance
    • Home assistance
    • And a lot more!

Condominium Insurance Discounts

  • GOOD INSURANCE RECORD

    Discount if you haven’t made any claim in the last 5 years

  • ALARM SYSTEM

    Discount if your home is equipped with an alarm system

  • 2-YEAR POLICY

    Our 2-year policy allows you keep the same premium even if you make claims during this period

  • COMBINED POLICIES

    Discount if you also insure your car insurance with us

  • * Some conditions apply

Here are 5 reasons to choose Lussier Dale Parizeau for your Condominium Insurance

  • 1

    Get an even better rate if you haven’t made any claims in the last 5 years.

  • 2

    Save on your premium depending on your occupation or if you are retired.

  • 3

    Save if you insure your car and your home with Lussier Dale Parizeau

  • 4

    Benefit from the service of our very own claims adjusters, who will handle your claims conveniently by phone or in person.

  • 5

    Deal with a broker with a 96% client satisfaction rate after making a claim!

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