Condo insurance helps cover what your HOA's master policy doesn't. We'll help you protect what's inside your unit with coverage that fits your home and lifestyle.
When you own a condo, your HOA's master insurance policy covers the building structure and common areas. But it typically doesn't cover your personal belongings, interior improvements, or liability inside your unit.
That's where condo insurance (HO-6 policy) comes ināit fills the gaps left by the master policy and provides comprehensive protection for your unit and possessions.
Protects the interior of your condo including walls, floors, ceilings, cabinets, fixtures, and any improvements you've made.
Covers your belongingsāfurniture, electronics, clothing, and moreāagainst theft, fire, and other covered perils.
Provides coverage if someone is injured in your condo or if you accidentally cause damage to another unit or common area.
HOA master policies come in different types ("bare walls-in," "single entity," or "all-in"). Understanding your HOA's coverage is crucial to avoiding gaps in protection.
We'll help you review your HOA's master policy and ensure your condo insurance properly fills any coverage gaps.
Helps pay your share of assessments charged by the HOA for damage to common areas.
Protects against damage from sewer or drain backups within your unit.
Additional coverage for high-value items like jewelry, art, or collectibles.
Specialized protection for earthquake damage (typically not covered in standard policies).
Helps cover expenses related to restoring your identity after theft.
Don't assume your HOA's policy has you covered. Let's make sure you have the right protection for your condo and everything in it.
Get Your Free Condo Insurance QuoteContact us today for a personalized condo insurance quote tailored to your unit and HOA requirements.