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White Condo

Coverage Options That Fit Your Condo and Your Lifestyle


Your condominium is more than a home - it's a reflection of your lifestyle. At Portage Mutual, we believe in helping you protect that lifestyle from things that are beyond your control.

Condo Interior

Condo Building

Condo Fitness Room

That's why we've enhanced our Comprehensive Condominium Package Policy to address the unique needs of condominium owners.

Industry Leading Coverage for Peace of Mind


While your condo association provides insurance coverage for the building(s) and associated liabilities, if policy limits or coverages are inadequate, individual unit holders sometimes have to make up the shortfall. For that reason, we have developed a Condominium Protection Endorsement to address these possible shortfalls in your association’s policy.

This specialized endorsement pays up to $500,000 in any one occurrence for loss or damage by an insured peril and applies to any one or a combination of the following coverages:

Unit Additional Protection
responds in the event of a loss where the coverage or limits of the condominium corporation prove to be inadequate.

Unit Improvements And Betterments Coverage
responds if you have made improvements to your unit (such as an upgraded kitchen or bathroom) that increased its value over the basic coverage provided by the condominium corporation.

Loss Assessment Coverage For Your Common Elements
responds in the event that the condominium corporation assess you for a portion of an uninsured loss.

Assessment of a Corporation Deductible
responds if you are assessed a portion of the corporation's deductible from the master policy.

In addition to covering your contents and personal belongings, we provide many other benefits and special limits:

  • All Risk Coverage
  • Replacement Cost on Personal Property
  • Personal Property Temporarily Away From Your Premises
  • Legal Liability - $1 million
  • Loss Assessment Liability Extension - $1 million
  • Voluntary Medical Payments - $5,000
  • Voluntary Property Damage - $1,000
  • Additional Living Expenses - An Amount Up to 50% of Your Personal Property Limit
  • Mass Evacuation Up to Two Weeks
  • Identity Theft Coverage - $15,000
  • No Limit on Bicycles
  • Jewellery/Furs - $6,000
  • Professional Equipment - $5,000 On-Premises and $2,500 Off-Premises
  • No Limit on Golf Carts
  • Property of a Student Away From Home - $20,000
  • Property of a Parent in a Nursing Home - $15,000
  • Condominium Maintenance Fees
  • Contents Kept in an On-Site Storage Locker
  • Temporary Membership to a Fitness Club or Health Club

Moving Into New Condo

Ask your Professional Insurance Broker about how our Comprehensive Package or our more basic Broad Form Package can help protect you.

Coverages and limits are subject to change. This is a general description of coverages. Actual policy conditions govern. For a complete description of coverages please consult your Insurance Broker or the Residential Pro Policy Booklet.

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