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Condo Insurance Canada 2026 — Instant Estimates

Condo insurance covers unit contents, improvements and liability, quoted on contents value. Vancouver averages $250-500/year.

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2026 estimated rates

Estimates computed by the rate engine — ranges across all carriers

Profile$50k$100k$200k
BC$99–$124$180–$225$332–$414
ON$88–$111$159–$201$292–$370
AB$91–$117$165–$213$304–$392
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /yr

What affects your premium

  • ✓Quoted on contents value, not rebuild cost
  • ✓Deductible choice affects premium
  • ✓City and province risk factors set the base rate

By region

BCVancouverSurrey
ONToronto
AB
SK
MB
Condo insurance: complete guide
Where the strata master policy ends and yours begins, how loss assessment works, what floor level and deductibles do to the premium
Condo insurance calculator
Estimate condo cover: how much to insure your betterments and contents for, and how floor level and strata deductible move the premium. The building itself is covered by the strata master policy, not this amount.

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