Condo Insurance

The master condo coverage often just protects the shell of your unit, leaving your personal belongings and the unit interior vulnerable. We'll make sure you understand your bylaws and have the necessary protection.

What is Condo Insurance?
Condo insurance helps protect against losses and repair costs for a condominium unit. Condo insurance often covers theft, vandalism, fire damage, water damage, and more.

Why do I need Condo Insurance?
Even if your condominium association has coverage, an individual condo insurance plan can come in handy. For example, their insurance might cover the association's condominium building, commonly owned property, and liability insurance.

Unfortunately, there are numerous situations in which your insurance coverage will not cover you or your belongings, such as a break-in, water damage to your living room walls, or someone tripping on your wet kitchen floor. Therefore, it would be advantageous if you had condominium insurance tailored exclusively to condo or co-op owners.

Condominium policies safeguard your personal belongings and the inside of your unit. You will also have liability protection for bodily injury or property damage to others.

What does a Condo Insurance policy cover?
What is covered by the condominium association's master insurance policy is determined by the articles of the condominium association and state legislation.

In most circumstances, the association's coverage ends at the exterior walls, leaving you responsible for the interior walls and maybe fixtures and your personal property and responsibility. This is where your condo policy comes in. Most plans will cover losses caused by: