Condo Insurance
Secure your condo with customizable insurance options.
Say goodbye to the confusion and frustration of shopping for condo insurance. With affordable rates and flexible options, securing your condo has never been easier.
Protect your home & belongings with a tailored plan to fit your needs and budget. $0 Fees. No obligation.
Find Your Perfect Condo Insurance Policy with Ease
No fees, no obligations. Just top options & expert guidance.
We understand how important it is to have the right insurance coverage for your condo and belongings. That's why we've partnered with top-rated insurance providers to offer a range of options to choose from.
Wall-to-wall, floor-to-ceiling protection.
Our team of experienced agents work with you to identify the best policy for your specific needs and budget. With our guidance, you can rest assured that your condo and belongings are covered with the right level of protection. Here's how it works:
Tell us about your condo
Share basic details about yourself and your condo.
We shop coverage options
We'll compare quotes from top-rated providers & present you with the best options.
You decide!
You select the option you like the best & we'll help you secure your policy.
Don't settle for subpar coverage.
Let us guide you to the right level of protection at the best available rate.
or call (833) 791-4719 to speak with an advisor
Here's what you need to know about condo insurance.
Condo insurance provides coverage for the interior of your unit and personal belongings in the event of a fire, break-in, or other covered incident. It also offers liability coverage to protect you if someone is injured in your home, and loss of use coverage if you need to temporarily relocate while your condo is being repaired.
Let’s explore frequently asked questions and the different types of condo insurance coverage to help you make informed decisions about your policy options.
What is the difference between condo and homeowners insurance?
The main difference between condo insurance (HO-6) and home insurance is that condo insurance only covers what’s inside the unit. Home insurance covers the entire home, inside and out, including the land and freestanding structures on the property. Learn more about the different types of homeowners insurance.
Is condo insurance required?
Though there are no state mandates, it's common for condo associations and mortgage lenders to require certain levels of condo insurance. Learn more.
What does the condo association’s policy cover?
The condo association’s master policy, aka HOA policy, typically only covers the outside of the building and shared spaces like the lobby, elevators, hallways, recreational areas, and parking lot or garage. You pay your portion of this coverage through your condo association (HOA) dues.
Understanding standard & optional coverage for your condo.
Here’s a breakdown of the different types of coverage usually included in a standard HO-6 condo insurance policy, as well as optional coverage you can add for additional protection.
Dwelling Coverage
Dwelling coverage protects your unit's interior, including walls, fixtures, cabinets, and flooring. If your HOA has all-inclusive or all-in coverage, you likely won't need it on your individual policy.
Personal Property Coverage
Personal property coverage helps to replace your belongings (clothes, furniture, electronics, appliances) if stolen or damaged by a peril that's covered in your policy, like fire or theft.
Personal Liability Coverage
Personal liability coverage protects you if you're found legally responsible for causing injury or property damage to someone visiting your condo.
Loss of Use Coverage
Loss of use coverage helps pay for additional living expenses if your condo is deemed temporarily unlivable after a covered peril, like a fire.
Loss Assessment Coverage
Loss assessment is optional coverage that can help pay your portion of a shared loss if a covered peril damages your building's common areas, and the repairs cost more than your HOA has set aside.
Tip: Review your HOA's master policy before purchasing your own coverage.
Save yourself time and money by checking out your condo association’s master policy to determine which coverage you might actually need. For instance, if the master policy has all-inclusive or all-in coverage, you may not need to include dwelling coverage in your personal policy.
Need help? We’ve got you! Request a quote & insurance consultation now.Tips on safeguarding your safe space.
Home Insights covers everything you need to know about property insurance, from essential coverage to optional add-ons. Whether you’re a first-time buyer or a seasoned owner, you’ll gain knowledge to make informed decisions and feel confident in your home’s protection.
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