SERVICES
Condo Insurance
Your condo association’s policy stops at the walls. What’s inside—your cabinets, appliances, and belongings—is up to you. Condo insurance fills the gap.
Owning a condo offers a unique blend of privacy and community living. Your association maintains the roof, the grounds, and the common areas. But their insurance typically ends at your exterior walls.
That means you are responsible for everything inside: your flooring, cabinetry, countertops, appliances, and every personal belonging you own. Condo insurance is designed to cover exactly that.
If a fire starts in your unit and spreads to your neighbor’s, condo insurance helps pay for the damage. If a guest is injured in your home, liability coverage protects you from costly lawsuits. If your belongings are stolen or damaged by a covered peril—like wind, fire, or theft—your policy helps replace them.
Important to know
Standard condo policies do not cover major flooding or earthquakes. You may need separate coverage depending on where you live.
Your association may carry either an “all-in” policy (covering some interior structures) or a “bare walls” policy (covering only the exterior). Understanding which type you have will help you determine how much individual coverage you need.
