Condo Insurance
Coverage for everything the master policy leaves to you.
Your association insures the building. Where their responsibility stops and yours begins is written into the bylaws, and almost nobody reads them until there is a claim.
Get a QuoteThe gap depends on your association’s bylaws.
Master policies come in different forms. A bare walls policy covers only the structure, leaving you responsible for drywall, flooring, cabinets and fixtures. An all-in policy covers original finishes but not your upgrades. The difference between those two is tens of thousands of dollars in a claim.
Bring us your association’s declarations and we will read them, then write your unit policy to cover exactly what falls to you.
- Interior structure and improvements you are responsible for
- Personal property inside the unit
- Personal liability and medical payments
- Loss assessment when the association bills owners
Ask Your Association
- • Is the master policy bare walls or all-in?
- • What is the master policy deductible?
- • Can owners be assessed after a large loss?
- • Are upgrades and improvements covered?
Core protections in a condo policy
Dwelling / Interior
Drywall, flooring, cabinets and fixtures the master policy does not cover.
Personal Property
Furniture, electronics, clothing and belongings inside the unit.
Loss Assessment
Your share when the association assesses owners for a loss above its limits.
Personal Liability
Covers you if a guest is injured or you damage a neighboring unit.
Loss of Use
Somewhere to stay while your unit is repaired after a covered loss.
Water Backup
Optional coverage for a backed-up drain, common in multi-unit buildings.
Condo Insurance FAQs
What is loss assessment coverage?
Do I need to cover my upgrades?
What if water from my unit damages my neighbor’s?
Does the master policy deductible affect me?
Bring us your association’s declarations.
We will read them and tell you exactly what falls to you.
Get a Quote