Smart Protection for Condo Owners
Comprehensive condo insurance that protects your unit, belongings, and financial security. Fill the gaps in your association's coverage with a policy designed for condo living.
Living in a condo offers convenience and community, but it also comes with unique insurance needs. While your condo association's master policy covers the building and common areas, it doesn't protect your personal property or cover you for liability within your unit.\n\nOur condo insurance policies are specifically designed to complement your association's coverage, protecting everything that's your responsibility. From your personal belongings to improvements you've made to your unit, we ensure you're fully protected without paying for duplicate coverage.
Our HO-6 condo policies provide comprehensive coverage for your unit and belongings
Coverage for your belongings including furniture, electronics, clothing, and valuables
Protection for improvements, alterations, and fixtures within your unit
Coverage if someone is injured in your condo or you damage someone else's property
Protection against special assessments from your condo association for covered losses
Coverage for temporary housing and living costs if your condo becomes uninhabitable
Medical payments for guests injured in your unit, regardless of fault
Experience the advantages of working with condo insurance specialists
Policies designed specifically for condo owners, filling gaps left by your association's master policy.
We understand condo associations and can help coordinate coverage with your HOA's master policy.
Condo insurance is typically less expensive than homeowners insurance with comparable protection.
Know what's covered by your association and what you need to protect
Your HOA's policy covers the building exterior, roof, common areas, and shared amenities.
You need coverage for your unit's interior, personal property, and liability within your space.
Loss assessment coverage protects you from unexpected HOA assessments after major claims.
Get a free condo insurance quote and discover how affordable comprehensive coverage can be.
Condo insurance (HO-6) covers your personal property and the interior of your unit, while your condo association's master policy covers the building structure and common areas. Homeowners insurance covers both the structure and contents.
The master policy typically covers the building structure, common areas, and shared amenities. Coverage can be "bare walls" (structure only) or "all-in" (including fixtures). Review your association documents to understand what you need to insure.
Yes, loss assessment coverage is highly recommended. If your condo association's master policy has a large deductible or doesn't fully cover a loss, you could be assessed thousands of dollars as your share.
You'll need enough coverage for your personal property, any improvements you've made, liability protection (typically $300,000+), and loss assessment coverage ($25,000-$50,000 is common).