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Condo coverages

Condo Insurance Coverage

While your condo association usually includes protection for most of the structure, their coverage doesn’t extend to your belongings. In addition, some condo association policies may not cover the entire structure. This is where we step in with surprisingly affordable condo insurance options to get you back on your feet, should the unexpected happen.

Property Protection

Your clothing, furniture, electronics, appliances and more — property coverage protects your unit and possessions against damage or loss caused by the following :

Condo living room

Perils and Events

  • Fire
  • Theft
  • Water damage from plumbing, heating or a cooling system**
  • Power surges to electronics and appliances you own

Example: If a fire occurred in your building and damaged your personal property, your condo association would be responsible for the damage to the structure of your unit, but not for replacing any of your belongings.

Other Covered Losses

The property protection for your condo will also cover damages from the following:

  • Building collapse
  • Credit/debit card, checks, forgery and counterfeit money
  • Debris removal
  • Emergency removal of property
  • Fire department service charge (not available in AZ)
  • Fungi (mold) or bacteria
  • Inflation protection
  • Loss assessments
  • Ordinance or law
  • Trees, shrubs, plants and lawns
Mother feeding her daughter

Temporary Living Expenses

  • Additional living expense
  • Fair rental value (purchased separately)

Example: If your condo is damaged by a fire and you can’t live in it during repairs, your condo insurance helps cover the cost of hotel and other living expenses, like food.

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Your Unit

Condo associations are typically responsible for insuring common areas, such as the building exterior. But as a condo owner, you may be responsible for items such as flooring, cabinetry, built-ins and similar features of your home considered to be a permanent part of your condo unit.

Have you made any upgrades to your unit, such as a kitchen remodel or bathroom upgrades? Keep in mind, in the event of a loss, your condo association is only responsible for replacing the property it’s required by the condo bylaws to insure, which may not include any expensive upgrades you’ve made. So if there’s a fire in your condo, it’d be your condo insurance that would replace your personal property and the additions you’ve made to the property.

Your agent can help you determine what you’re responsible for under the bylaws of your condo association and how much coverage you should have.

Example: If a pipe burst and damaged the wooden floor you just put in, your condo association might pay to fix the pipe (depending on what caused the burst), but they won’t pay for the damage to your floor.

Couple working on statements

Condo Liability Protection


Accidents happen and, as a condo owner, you can be held liable for injuries to visitors that occur in your home. A condo policy helps provide financial protection for covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property that are caused by you, your children or pets.

Liability protection can also provide medical payments coverage — regardless of your legal responsibility — when an accident involves bodily injury to others.

For example: if a friend is visiting and they fall on your wet floor and break their leg, resulting in medical bills and lost wages because they can’t work, condo liability coverage helps cover the cost.

Additional Condo Insurance Coverage

We believe you and your condo are unique. That’s why we provide special add-on coverage options. By building a policy just for you, our agents can better protect the dreams you’re pursuing.

Added Property Coverage

We protect your favorite possessions with next level protection for cherished items like wedding rings, fine art, heirlooms and equipment. Your personal property coverage has a limit on the amount of coverage for items like these, so to fully protect your important possessions, you can itemize your personal property by increasing the policy limits. Not only will your coverage amount be higher, but you’ll be covered for a greater number of risks, such as accidentally losing your jewelry.

Sump Pump Failure And Water Backup Coverage

A sump pump is designed to remove excess water that accumulates around your home’s foundation. If your condo has a basement and the system ever fails or the power goes out, water overflow may occur. And you won’t be covered — unless you have sump pump over flow coverage.

Additional Liability Protection

You’ll also benefit from add-on liability coverage. Some common additional liability coverages include home day care insurance, small home business coverage, additional premises coverage, personal injury protection — all coverages that provide an extra layer of protection.

Learn More About Condo Insurance

Get a Condo Insurance Quote

Our experts will help you identify what coverages are right for you and your condo.