Condo Insurance

Condo Insurance

Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.

Personal Property Coverage

Condo insurance provides coverage for your personal property like clothing, furniture and electronics. For a few more dollars, replacement coverage can ensure you are reimbursed full replacement value without regard for depreciation after a covered loss.

Dwelling Coverage

If you have upgraded cabinets, upgraded appliances or put in hardwood floors, condo dwelling coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. Most HOA’s require you to have coverage from the “walls in”.

Loss Assessment

If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. We can help you determine your coverage needs to make sure you have the proper coverage.

Protect Yourself and Your Guests

Your condo insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.

In addition, you can increase medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence.

Extra Coverage Doesn’t Have to Cost a Lot

Ask about broader coverage for valuable items such as jewelry, art, antiques, firearms or collectibles.


We offer discounts based on security features including smoke detectors, dead bolts, fire extinguisher, burglar alarms and gated community. Customers who package their auto receive multi policy discounts.

Let us help you find the right amount of coverage to suit your insurance needs.

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