Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Condo Insurance
The gap between where the association master policy stops and your front door begins.
What this cover does
A condo policy sits inside a master policy, and the line between the two is written in your association documents. Read which type of master policy your building carries before you buy — bare-walls and all-in master policies need very different amounts of personal cover.
Typically included
- Interior walls, floors, fixtures and built-in cabinetry, depending on master type
- Personal property and contents
- Personal liability and guest medical payments
- Loss of use while the unit is uninhabitable
- Loss assessment when the association bills owners for a shortfall
Common add-ons
- Higher loss-assessment limits where the association carries a large deductible
- Building-property cover for upgrades you installed
- Water backup
- Scheduled valuables
Questions
What people ask about condo
What is loss assessment?
When damage exceeds the association’s cover, the association can bill every owner for a share. Loss assessment cover pays your share up to the limit. It is the single most overlooked part of a condo policy.
Bare-walls versus all-in?
A bare-walls master policy covers the structure only, leaving everything from the drywall inwards to you. An all-in master policy includes original fixtures. Your declaration page says which, and it changes how much cover you need.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
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Quote Condo Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.