FADOQ advantage
Offers additional coverage or benefits for eligible FADOQ members.
Home insurance
Co-owner insurance
Being a co-owner means finding the balance between private life and shared spaces. It is a home within a larger community, with its own rules, responsibilities and daily reality. To protect your unit, your belongings and what is yours, we help you choose condo insurance tailored to your reality as a co-owner.
Our expertise
Insurance aligned with your unit and lifestyle
Co-ownership comes with very specific needs: protection for the interior of the unit, improvements made to it, personal belongings and civil liability. Courtika helps you choose condo insurance adapted to your declaration of co-ownership and personal situation.
As an insurance broker, we take the time to analyze your reality so we can recommend clear, consistent and well-adjusted coverage to help avoid unpleasant surprises.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury and property damage caused to others.
Covers personal belongings in the event of loss, theft or damage.
Covers improvements and upgrades made to the unit, such as the kitchen or flooring, against insured damage.
Covers your share of responsibility for damage to the building’s common areas, based on your unit share.
Covers detached buildings, such as a shed or garage.
Covers additional expenses if you must temporarily leave your home after a loss.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage caused by water entering from outside above ground, such as rain or melting snow.
Covers damage caused by water infiltration or sewer backup.
Covers damage caused by flooding related to overflowing rivers or lakes.
Covers damage caused by an earthquake.
Provides financial assistance and support in the event of identity theft.
Covers certain legal expenses to defend your rights or represent you.
Covers damage to the pool and risks associated with its use.
Covers damage to the hot tub as well as certain related equipment.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
The syndicate covers the common areas and basic structure, while your insurance covers your belongings, improvements and liability.
Yes, improvements such as the kitchen, flooring and similar upgrades must be insured individually.
Yes. In some cases, you may be responsible for part of the deductible.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.