Start with the corporation documents
Ask the board or manager what the building policy covers, its deductible and the standard unit definition. Your own policy may be needed for contents, liability, improvements and certain assessments. Provincial condominium rules and the declaration can affect the split, so do not assume a neighbour's arrangement applies to your unit.
Compare quotes on the same basis
Tell insurers about upgrades and how the unit is used. Ask which claims trigger assessment coverage and what limits apply. The site calculator uses one broad condo factor; it does not read the building policy or calculate your share of a loss.
After a kitchen upgrade
If you replace the condo's standard cabinets and flooring, ask the corporation which finishes its policy treats as the standard unit. Tell your own insurer about improvements. Also compare the corporation's deductible with your loss-assessment limit; the two documents need to be read together.
Quick check
- Get building policy details
- List upgrades
- Check assessment limits
General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.