Condo Homeowners Insurance

Protects unit-owned interior finishes: walls, ceilings, flooring, built-ins, and fixtures.
Coordinates with HOA master policy (all-in vs. bare-walls coverage).
Covers perils like fire, smoke, and burst pipes.
Coverage limits are based on replacement cost of your interior.
Lender requirement: Often required for mortgaged condos.

Replacement cost coverage available for newer or higher-value belongings.
Protection on the go: coverage extends while traveling or in storage (limits apply).
Sub-limits for items like jewelry, watches, and firearms—schedule separately if needed.
Deductible applies per claim; maintaining an inventory list helps speed up claims.

Covers legal defense, settlements, and judgments for covered incidents.
Applies on and off premises, e.g., dog bites at the park (breed rules may apply).
Higher limits available for those with assets to protect.
Pairs with umbrella insurance for additional coverage and peace of mind.

Covers minor medical expenses without proving fault.
Goodwill protection that can help prevent larger liability claims.
Typical limits range from $1,000–$5,000, with higher options available.

Covers temporary housing and related expenses such as food, laundry, and more.
Limits apply by time or dollar amount—select enough to suit your local market.
Only applies when the cause is a covered loss.

Covers shared property or liability losses in common areas.
Assists with the HOA master policy deductible—verify your form and limits.
Select coverage limits that align with your building’s master policy and deductibles.

Extends coverage for upgrades the HOA master policy won’t replace “like-for-like.”
Perfect for renovations or high-end finish upgrades.
Coordinate values using receipts or contractor quotes to ensure proper limits.

Covers cleanup and repairs from sewer or drain backups and sump pump overflows.
Not included in standard condo policies—add via endorsement.
Select coverage limits based on your floor level and plumbing exposure.

Covers interior finishes and personal belongings; building structure is typically the HOA’s responsibility.
Deductibles often a percentage of Coverage A—review carefully.
Recommended for seismic regions or older buildings.

Available through NFIP or private insurers; coverage can include condo units.
Consider contents and improvements coverage for “walls-in” protection.
Often required for properties located in high-risk flood zones.

Schedule valuables with appraisals or receipts to secure higher coverage limits.
Additional features often include mysterious disappearance protection and $0 deductible options.
Worldwide coverage ensures your items are protected while traveling.

Additional benefits may include credit monitoring, legal assistance, and reimbursement for lost wages.
Covers cyber extortion and unauthorized transfers, depending on the carrier.
Affordable add-on that complements online banking and smart-home protection.

Extends liability coverage beyond your condo and auto policy limits.
Ideal for homeowners with assets, rental properties, pets, or frequent guests.
Minimum underlying limits may be required—contact us to verify your coverage.