Apollocover

What condo and townhouse insurance covers — your belongings, unit improvements, shared area assessments, additional living expenses, and personal liability — and why the condo corporation's own policy doesn't protect…

What is condo and townhouse insurance?

What APOLLO condo and townhouse insurance typically costs in Canada — minimum, average, and higher-end premiums — and what factors affect your price.

How much does condo and townhouse insurance cost?

What shared common areas in a condo complex are — lobbies, parking lots, pools, elevators, recreational facilities — and how to find out exactly what's defined in your condo corporation's…

What is a shared common area in a condo?

What Replacement Cost means on your APOLLO condo policy — items are replaced at full current value with no depreciation deducted, rather than at their actual cash value at time…

What does Replacement Cost mean?

What Personal Property (contents) coverage is, what it protects under your APOLLO condo policy, coverage limits available ($25,000–$250,000), and how to choose the right amount.

What is Personal Property coverage and how much of it do I need?

What Additional Living Expenses (ALE) coverage pays for on your APOLLO condo policy if your unit becomes uninhabitable — hotel, meals, storage, and other temporary costs.

What are Additional Living Expenses?

What Legal Liability Loss Assessment covers — your share of a liability claim made against the condo corporation that exceeds or falls outside their own policy limits.

What is Legal Liability Loss Assessment?

What APOLLO's Special Condo Owner's Protection Package covers — unit improvements and betterments, contingent unit coverage, and property loss assessment from the condo corporation.

What is APOLLO's Special Condo Owner's Protection Package?

What Deductible Assessment coverage is, why condo owners may be charged their share of the condo corporation's insurance deductible after a building claim, and how this coverage protects you.

What is Deductible Assessment coverage for?

What sewer backup is, why it can happen even on higher floors of a condo building, and why Sewer Backup coverage is worth adding to your APOLLO condo policy.

Why should I buy Sewer Backup coverage?

What Overland Water Damage coverage protects against — water entering your unit from heavy rain, spring runoff, or river overflow — and why it matters even if you live on…

What is Overland Water Damage coverage?

What Identity Fraud Expense (Identity Theft) coverage includes on your APOLLO condo policy — legal fees, lost wages, and recovery services — and the coverage limits available.

What is Identity Fraud Expense coverage?

Whether APOLLO's condo policy covers short-term rental of your unit on Airbnb, Vrbo, or similar platforms — what's protected, the deductible, and the tenant property coverage included.

Does APOLLO offer coverage if I AirBnB my unit occasionally?

Celina De Bruge

Condo / Townhouse Insurance

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