Ottawa Home Insurance

Condo Insurance

At first glance, home insurance and condo insurance may appear similar. They both can provide payment of living expenses and accommodations if you need to move out temporarily for repairs or reconstruction, and can include coverage of personal property. Home insurance covers the entire property, including external buildings and structures. Condo owners do not have basements, backyards, or external buildings to worry about.

They pay a building fee to the condominium association, and the association uses a portion of that money to pay for building insurance. The building insurance covers everything outside the private unit, including hallways and common areas, and amenities such as gyms and pools.

Condo insurance can fill in the gaps and protect you beyond the building insurance policy of the condo association. There are many factors that can determine the coverage needed, including the property value of the unit, and the add-ons and options included in your policy. Some plans may allow you to choose which risks you would like to protect against. These risks may include, but not limited to:

• Natural disasters, such as earthquakes, lightning, and storms
• Fire and explosions
• Damage from a sewer back up
• Theft or vandalism

Having condo insurance, as a condominium owner, is a necessity as there are gaps in the association’s insurance that can leave you vulnerable. Our agents can help you find plans to cover personal assets, or any renovations and additional fixtures added to the unit. We can provide you the best coverage for your condominium and belongings, without breaking the bank.

Vacation Home & Cottage Insurance

Just like your primary home, your vacation home requires protection. Unlike home insurance, you can choose whether you want coverage active year-round or only during specific months. Insurance Hero can also help you find the right coverage to protect you from losses or damages that can incur in the event you rent out your vacation home. Our agents can help you find the best price for your unique insurance needs, without compromising the coverage you receive.

Your vacation home insurance can cover you from a variety of perils, including but not limited to:

• Damage from trees, snow, ice, or water
• Fire or smoke damage
• Theft and vandalism

We can also help you find coverage for external structures on your vacation property such as sheds, garages, guest houses, and other buildings. We can cover property that remains at your vacation home year-round, such as furnishings, fixtures, and appliances. Your regular home insurance policy may cover any belongings you bring with you to your vacation property.

How We Can Help You

Insurance Hero is an award-winning and innovative leader in online insurance. We are always striving to provide our clients with the best coverage for whatever their insurance needs. Whether you need insurance that goes beyond your condominium association’s insurance coverage, want to protect your home and property in the event of damage or liability, or need seasonal or year-round coverage for your vacation home or cottage.

We bring the rates and policies of several leading Canadian insurance companies, saving you time in searching for the right policy. Our agents are knowledgeable and can help you understand the various rates and policies so you can get the best coverage for your needs at the right price.

Have you upgraded or renovated your home? Insurance Hero offers annual reviews of your policy so your policy can stay up-to-date so you can continue to receive the best value for the right protection year after year.

Looking to save even more? Let us review your portfolio so we can maximize your savings without minimizing your coverage. Our agents can provide expert advice and friendly customer service, whether you are looking for a quote or need to file a claim. Request a quote today to see how we can help you find the best home insurance policy in Ottawa.