Condo Insurance

At Westland, we know that your condo and belongings represent your most valuable possessions. Which is why you need to have adequate coverage and a solid insurance company standing behind your policy.
We also know that not all insurance policies are equal. See how we stack up against our competitors’ standard condo insurance policies or learn more about our high-value condo insurance coverage.

Westland Key Features and Benefits

All Risk or Comprehensive Policy	We cover your contents for “all risks”, not specific losses or “perils”
Off Premises coverage - contents	We insure your personal property while temporarily away from your premises.
Replacement Cost – on contents	We pay based on Replacement Cost on your contents, with no allowance for depreciation.
Special Levy Coverage	We cover any special levy assessed by the Strata Corp. made necessary by a direct loss to the complex, caused by an insured peril or assessed due to a liability loss.
Improvement and Betterments	We cover any improvements to your unit that are not covered by the Strata Corp.
Unit Owners Protection	We cover direct damage to your unit, by an insured peril, if the Strata Corp. policy is inadequate.
No Deductible for Losses over $10,000
Temporary Relocation Costs Protection	We cover your additional expenses if you need to move out of your home as a result of an insured loss
Student Property	We insure a student’s personal property while at school
Liberalization Clause	If we increase any included coverage, you immediately get that coverage – at no extra charge.

Westland Condo Insurance Comparison
Feature	Westland	Standard Competitor Policy
Personal Liability	$2 million included with base policy	$1 million or less included with base policy
Silverware	No limit	$25,000 or less
Personal Computer Hardware	No limit	$5,000 or less
Spoilage of food in refrigerator or freezer	No limit	$1,000 or less
Wine Spoilage	$1,000	Not Available
Student Property	$5,000	$3,000 or less
Property in Storage	$5,000	Not available. Must buy separate storage policy
Parent Property	$2,500	Not available
Property in a Nursing Home	$5,000	Not available
Credit/ Debit Card Protection	$5,000	$5,000 or less
Lock replacement	$2,000	$1,000
Bicycles	$1,000 per item	$1,000. per item or less
Theft from Vehicle	No limit if in locked trunk	$3,000 or less
Jewelry	$5,000	$5,000 or less

Legal Assist Program		N/A
Extended Care Facility Protection – Contents		N/A
Contents in Storage		N/A