What is Condominium Insurance?
Condominium insurance (also known as HO-6) helps protect what your condo association’s policy doesn’t—like your personal belongings, interior fixtures, and your liability. Our coverage is designed for the unique needs of condo owners, so you can feel confident in your space.
Insure Your Condo From:
Fire & Smoke Damage
Theft & Vandalism
Water Damage (not flood)
Liability Claims
Loss of Use/Temporary Living Expenses
Improvements & Upgrades
FAQ
What does condo insurance cover?
Condo insurance covers your personal belongings, interior features, liability, and often temporary living expenses if you can’t stay in your unit after a covered event.
What’s the difference between condo insurance and the association’s policy?
The condo association’s policy generally covers the building’s exterior and shared spaces, while your individual policy protects the inside of your unit and your personal liability.
Does condo insurance cover improvements or renovations?
Yes, most condo policies cover upgrades, renovations, and improvements you make to your unit—such as flooring, cabinets, or fixtures.
Am I covered for water damage?
Standard condo insurance covers sudden water damage from things like burst pipes, but not flooding. Consider separate flood insurance if you’re in a flood-prone area.