Condo Insurance

Owning a condominium offers a unique lifestyle — combining the benefits of homeownership with the convenience of shared property management. However, standard homeowners association (HOA) insurance typically only covers the building’s exterior and common areas. That’s why you need a comprehensive policy that protect your unit, belongs, and liability.

Our Condo Insurance Coverage Options

Owning a condominium offers a unique lifestyle — combining the benefits of homeownership with the convenience of shared property management. However, standard homeowners association (HOA) insurance typically only covers the building’s exterior and common areas. That’s why you need a comprehensive policy that protect your unit, belongs, and liability.

• Building Property Coverage Protects the interior of your unit, including walls, floors, ceilings, and built-in appliances.
• Personal Property Protection Covers your belongings — such as furniture, clothing, electronics, and more — against fire, theft, and other risks.
• Liability Coverage Provides financial protection if you are held responsible for injury or property damage to others.
• Medical Payments to Others Covers medical expenses for guests injured in your condo, regardless of fault.
• Loss of Use Coverage Helps pay for temporary housing and living expenses if your unit becomes uninhabitable after a covered loss.
• Loss Assessment Coverage Provides protection if your HOA assesses you for damages to shared property or liability claims.
• Optional Valuable Items Coverage Extra protection for high-value belongings like jewelry, artwork, or collectibles.