Condo Insurance

Condo Insurance

So you just moved into your new condo and you’re loving not having to cut the grass and take the garbage to the street. As awesome as being a condo owner is, what happens if your next-door neighbour’s fire smokes you out — because they forgot to shut off the oven? We can help you with that with condo insurance from Sandbox!

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Condo Insurance

The benefits of protecting your condo

Protects your personal property

This coverage insures the contents in your condo.

Protects your improvements 

Decide to take on a weekend DIY project and update your floors or countertops? We’ve got those covered too.

Protects your interest 

We offer liability coverage for bodily injury, property damage, and your premises.

Coverage details and availability can vary by province. If available, select your region below to view coverage details.

Coverage Details

  • Multiple Deductible Options
  • Variety of Liability Limits
  • Coverage Options for your Personal Property
  • Additional Living Expense Coverage
  • Deductible Assessment Coverage – your condo owners corporation can assess their deductible to you if there is damage to your unit or common property  The loss must be caused by a peril for which you are insured for by this policy.
  • Upgrades you have made to the unit.
  • Loss Assessment Coverage – damage to common areas of the condo can be assessed to you.

Optional Coverage

  • Sewer Backup

    Sewer Backup coverage takes care of losses stemming from the backup of toilets, drains, sumps, and other outflow fixtures. Sewer Backup coverage also protects you from storm-related events causing your sewer system to backup.
  • Home Systems Protection

    From heating and cooling to appliances and security systems, Home Systems Protection covers equipment not covered under Home Insurance.
  • Glass Deductible Buy-Down

    Reduce your deductible for glass breakage to $50 in Saskatchewan instead of being subject to your policy deductible.
  • Jewelry, Fine Arts & Hearing Aids
  • Boats & Boat Motors

Additional Info

Sandbox offers specialized coverage for Landlord Insurance. See all our Property Insurance Products here.

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Condo Insurance FAQs

What does condo insurance cover in Saskatchewan?

Condo insurance in Saskatchewan will cover your personal property and contents in your condo, any improvements you have made and provides liability coverage for bodily injury, property damage, and your premises. 

How much does it cost to insure a condo in Saskatchewan?

The cost of condo insurance in Saskatchewan will vary depending on factors such location, value of your property, personal property and optional coverages added.  A broker can give you a free quote on the exact price to insure your condo. 

Is condo insurance mandatory in Saskatchewan?

There is no law requiring condo insurance in Saskatchewan, however, many condo associations and financial lenders will require it. It is highly recommended to purchase condo insurance to ensure you are protected. 

Is building insurance the same as condo insurance?

Your condo building owners corporation will maintain insurance on behalf of the building and its unit owners for damage to the general property. Individual condo owners also require condo insurance to cover your personal property, improvements and ensure you have liability coverage. 

Who pays for water damage in a condo in Saskatchewan?

If water damage occurs to the common area/property, the owner’s corporation insurance policy may cover it. If water damage occurs to individual units, an individual owner’s insurance policy may cover it if improvements are covered. Review your insurance policy to understand how you may be covered.