Protecting Your Investment & Belongings
Owning a condo is different from owning a home, and your insurance should reflect that. We work with multiple specialty insurers to help protect your condo, personal property, and liability at the best possible price.
What Does Condo Insurance Cover?
Dwelling Coverage
Protects interior elements like cabinets, countertops, drywall, and flooring that may not be covered by your condo association’s master policy.
Personal Property Coverage
Covers your furniture, electronics, clothing, and valuables from fire, theft, and other covered events.
Loss of Use Coverage
Helps cover temporary living expenses if your unit becomes uninhabitable due to a covered loss.
Liability Protection
Provides financial protection if someone is injured in your condo or you accidentally damage another unit.
Medical Payments to Others
Covers medical costs if a guest is injured in your condo, regardless of fault.
Inflation Protection
Adjusts coverage to keep pace with rising repair and replacement costs.
Bundle & Save on Condo Insurance
Save up to $1,273 when you bundle condo and auto insurance with other policies. We compare rates from multiple insurers to ensure you get the best coverage and savings.
How to Get a Condo Insurance Quote
Getting a quote is quick and simple. Here’s what you’ll need:
- Your Personal Information – Name, address, and date of birth.
- Condo Details – Number of occupants, whether it’s a primary or secondary home, and estimated value of your belongings.
- Insurance History – Prior claims and details of your previous insurance provider.
- Safety Features – Fire alarms, burglar alarms, sprinkler systems, and proximity to a fire hydrant.
We shop with multiple carriers to find the best coverage that fits your needs and budget.
Frequently Asked Questions About Condo Insurance
Do I need HO6 condo unit insurance?
Your condo association’s insurance typically only covers the building exterior and common areas. You’ll need HO6 insurance to protect your unit’s interior, personal property, and liability.
How much condo insurance do I need?
Think about how much it would cost to replace your belongings and any improvements you’ve made to your condo. A quick way to estimate is by creating a home inventory:
- List major items and their value.
- Take photos of valuable belongings.
- Keep receipts for high-ticket items.
What's the difference between condo insurance and homeowners insurance?
Homeowners Insurance – Covers the entire structure of a home, inside and out.
Condo Insurance – Typically only covers the interior of a unit, while the condo association’s master policy covers the building exterior and shared areas.
Are townhomes insured the same way as condos?
If your townhome has an association master policy, you need condo insurance.
If not, you need homeowners insurance.
Are there special limits on certain items?
Yes, condo insurance policies have maximum limits for specific valuables, such as:
- Money, banknotes, and coins
- Business property
- Watercraft and trailers
- Firearms (theft-only coverage)
- Silverware and goldware (theft-only coverage)
- Rugs and tapestries (theft-only coverage)
If you need higher limits, we can help you find additional coverage.
Does condo insurance cover flood damage?
Most standard condo insurance policies do not cover flood damage. However, we work with specialty flood insurers to help you secure separate flood insurance if needed.
Does condo insurance cover medical and liability?
Yes! Condo insurance helps provide protection for covered liability claims or lawsuits. If you need extra coverage, consider an additional liability policy.
Find the Best Condo Insurance for You
We don’t just offer one-size-fits-all policies—we shop with multiple carriers to find the best coverage at the best price. Let’s explore your options today!
Additional Property Insurance
Homeowners
Coverage for your home
Renters
Coverage for renters
Condo
Coverage for your condo
Rental Property
Coverage for your rental property
Personal Articles
Coverage for your personal articles
Farm & Ranch
Coverage for your farm or ranch