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Sovereign General
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We offer several types of coverage for Condominium Unit Owners:

Sovereign Distinction - A unique Condominium Package designed for owners of high valued belongings.

Comprehensive - Provides “All Risk” coverage for your personal property.

Named Perils - Provides “Named Perils” coverage for your personal property.

Coverage Extensions

Our Condominium Unit Owners forms include the following coverage extensions:

  • replacement cost for your personal property
  • personal liability including personal injury and voluntary compensation for residence employees
  • reward coverage
  • mass evacuation
  • accidental death by fire
  • consequential loss
  • lock replacement
  • inflation protection
  • condominium unit contingent coverage
  • unit betterments and improvements
  • loss assessment
  • limited deductible coverage

Optional Coverage is available for:

  • sewer backup
  • scheduled coverage for jewelry, sports equipment, cameras or other personal property
  • increased personal liability
  • earthquake
  • home-based business
  • hobby farms
  • travel trailer and camper units
  • rental and seasonal properties
  • watercraft
  • umbrella liability

Discounts you may be eligible for:

  • claims free
  • age of insured
  • alarm system/sprinkler
  • mortgage free
  • block watch
  • occupational
  • stability (if living at the same address for at least 3 years)
  • new business/renewal
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The Community

Every year since 1994, The Sovereign has provided a bursary in recognition of Superior Achievement in the Insurance and Risk Programme at the University of Calgary.