Condo insurance HO-6 application documents in Ontario

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What is HO-6 in Ontario condo quotes?

Industry shorthand for a condo unit-owner policy that complements the corporation master policy. Your intake list follows carrier and MGA requirements for contents, improvements, liability, and often corporation deductible exposure — verify with your markets.

Which corporation documents are usually required?

Often: current corporation certificate of insurance or insurance summary, deductible amounts (especially water), and status-certificate context when available — verify what your markets need. A status certificate confirms insurance is in place but may not replace a detailed insurance certificate.

Do owners upload via portal?

Yes — guest link or my-id.ca on checklist items; reject unreadable corp cert scans.

What about tenant vs owner occupancy?

Add checklist lines for occupancy type, lease if rented, and any short-term rental disclosure per your disclosure policy and carrier rules.

Why do corporation deductibles matter at intake?

Ontario condo corporations insure units and common elements for major perils, but owners typically insure improvements and contents. Corporations may charge back deductible amounts in defined situations — brokers often need deductible figures to place matching coverage. Confirm against the Act, by-laws, and carrier forms.

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