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CONDO Overview

Condo Homeowners Insurance

Your personal possessions turn the space you own into a place that’s uniquely yours. Now consider how much it would cost to replace the belongings you love, not to mention the things you need, if they were damaged, destroyed or stolen. How about if someone was injured on your property and you had to pay their medical bills or defend against an expensive lawsuit?

Without condo unit-owners insurance, you’d pay out of pocket for both of these scenarios. Connect with your local agent today to ensure you’re prepared when the unexpected occurs.

What Is Condo Insurance?

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. That’s where condo unit-owners insurance steps in.

Condo unit-owners insurance helps you protect your home and the things inside it. With coverage that helps pay for losses resulting from things like fire damage and power surges while also giving you financial support should you need to pay for additional living expenses for a loss covered by your policy.

Why You Need Condo Insurance

Your condo association has its own master policy that covers things like the condo property, common areas and the exterior of your condo — but you’ll have a number of gaps in coverage if you simply rely on your condo association for protection. Your condo unit-owner policy helps cover what your condo association’s policy doesn’t. Learn more about why you should have condo insurance.


Benefits of Condo Insurance With American Family

Your American Family Insurance Agent

With American Family Insurance, your local agent will work directly with your condo association to locate and fill coverage gaps between what the association covers and what your policy should cover. In other words, your condo unit-owner policy helps cover what your condo association's policy doesn't.

Waived Deductibles

If you and your condo association are both insured by American Family and your condo association and your individual unit suffer building damage in the same loss, or there's a loss assessment for insurable damage to association property, we'll waive your deductible.*

What Does American Family's Condo Insurance Cover?

Your condo insurance helps protect your condo from unexpected events like fire, theft, wind and hail damage and much more. Condo insurance protects your personal property, offers liability protection, helps cover the structure of your dwelling and even offers temporary living expenses. Take a deeper look at condo insurance coverage with American Family.

What Condo Insurance Does Not Cover

There are specific instances you're not covered by your condo insurance. Here are the important things you should understand that are not covered:

Floods

If your condo is damaged from a flood, unfortunately none of your belongings will be covered. The good news is, you can purchase a flood insurance policy through the National Flood Insurance Program, which your agent can help you add.

Injuries to You

You also won't be covered if you are injured in your condo — that's what your health insurance is for. The bodily injury protection is specifically for accidental injury to other people.

Exterior Building Damage

Any damage to the outside of your condo isn't covered by your condo insurance unless your condo by-laws specifically require it — that's usually your condo association's responsibility and their insurance should cover it.

Learn More About Condo Insurance With American Family

Want to know more about the specifics of condo unit-owners insurance? Check out our condo coverages page to get a detailed breakdown of just what condo insurance can do to help you protect what matters most.

Get Covered With Condo Insurance

Get started with a quote for your condo today.


For all covered real property losses, except if caused by earthquake and volcanic eruption. Real property included built-in components, attached fixtures, alterations, improvement and permanently attached floor coverings.