Homeowners insurance covers the entire structure, while condo insurance mainly protects the interior of your unit, your belongings, and liability.
Owning a condo is a big investment, and protecting it goes beyond your four walls. Condo insurance helps cover what your condo association’s master policy doesn’t — from your personal belongings to liability and improvements inside your unit.
Interior & Improvements – Walls, flooring, cabinets, fixtures, and upgrades not covered by the condo association.
Personal Belongings – Furniture, electronics, clothing, and valuables against theft, fire, or other covered losses.
Liability Protection – Covers you if someone is injured in your condo or if you accidentally damage another unit.
Loss of Use – Helps pay for temporary housing if your condo becomes unlivable due to a covered event.
Additional Coverage Options – Jewelry, collectibles, or high-value items can be added for extra protection.
Your condo association may have a master insurance policy, but it usually only covers the building structure and shared areas. You’re responsible for everything inside your unit, including finishes and personal belongings. Without condo insurance, you could be left paying out of pocket for repairs, replacements, or legal costs.
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Homeowners insurance covers the entire structure, while condo insurance mainly protects the interior of your unit, your belongings, and liability.
No. The association policy usually only covers common areas and the building structure, not your personal property.
Yes, you can add riders to insure high-value items like jewelry, fine art, or electronics.