event_availableUpdated · Estimates reviewed October 2026
Pricing in Kingston reflects local claim patterns — student rentals and winter storms.
Local estimate · October 2026
Instasure’s pricing model estimates the following range for an example profile. Your actual premium depends on your details and the insurer.
$25.00–$41.00/mo
Example profile: Kingston, ON, $30,000 contents, $25,000 improvements, $50,000 deductible assessment, $2M liability, $1,000 deductible.
Named perils
$26.40/mo
Comprehensive (all-risk)
$33.00/mo
Comprehensive + water endorsements
$38.94/mo
infoAsk your property manager for the corporation’s water-damage deductible and buy at least that much deductible-assessment coverage.
Example estimates · October 2026
| Coverage | Typical | Range |
|---|---|---|
| $25,000 contents | $31.00/mo | $24.00–$39.00 |
| $50,000 contents | $38.00/mo | $30.00–$48.00 |
| $75,000 contents | $44.00/mo | $34.00–$55.00 |
Assumptions: $1,000 deductible, $2 million liability where applicable. These are modelled estimates for example profiles, not quotes or offers. Your price depends on your details and the insurer; a licensed advisor confirms real quotes.
Insurers price these risks by postal code. An advisor can tell you which endorsements are available at your address.
What’s changing in Ontario
Your personal property inside the unit and in storage lockers.
Flooring, kitchens and other upgrades beyond the standard unit definition.
Your share when the corporation charges owners for a deductible or uninsured loss.
Injuries to others and damage that starts in your unit and spreads.
Licensed in Ontario
When your condo or strata corporation charges its master-policy deductible back to you, deductible-assessment coverage on your unit policy pays it. Here's how the two policies split the risk and how to choose a limit.
Read guide arrow_forwardA standard Canadian home policy usually covers sudden, accidental water damage, but sewer backup, overland flooding and groundwater need optional coverage or are excluded. Here's how each type of water claim works.
Read guide arrow_forwardNo Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.
Read guide arrow_forward
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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Sources: fsrao.ca, northbridgeinsurance.ca, intact.ca. Estimates are modelled by Instasure for the example profile shown and are not quotes. Last reviewed October 2026.
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