Condo Insurance Coverages
Protection beyond what your association provides1
Cover what you value inside your condo
Your condo association’s policy may offer coverage for building exteriors and common areas. But it may not safeguard what’s inside your front door – like personal items, appliances, even floors and walls. Amica condo insurance is customized coverage that fills in the gaps to fully protect the things that make your condo a home.
Standard condo insurance coverage2
Every Amica condo insurance policy includes these property, extra expenses, and liability coverages:
Dwelling coverage
For attached items like appliances, fixtures, and interior walls, plus improvements you’ve made to your condo.
Personal property coverage
For belongings lost or damaged due to fire, windstorm, smoke, theft and vandalism.
Loss assessment coverage
Automatic coverage of $1000 in the case of a covered loss involving association property. Higher coverage limits may be available.
Loss of use coverage
For increases in necessary living expenses if you’re unable to live in your condo after a covered loss.
Debris removal
Coverage for expenses to remove debris caused by a covered loss.
Theft coverage
Protection for theft of personal property that happens when you’re travelling.
Liability coverage
For claims against you or a family member living with you for property damage or bodily injury.
Additional condo insurance coverage2
Additional coverages are optional and customizable, to make sure you feel more protected.
Computer coverage
For devices like laptops, tablets and smartphones.
Personal property replacement
Full repair or replacement of personal belongings, regardless of depreciation, up to your coverage limits.
Scheduled personal property
Broader protection for valuables such as jewelry, fine art and furs for incidental damage beyond fire and theft.
Identity fraud coverage
Reimbursement for credit card loss or theft, up to coverage limits.
Get a free, no-obligation insurance quote today!
Find out just how reasonably priced condo insurance can be.
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Questions about coverages?
Call us today at 800-242-6422
1 This product is not available in AK and HI.
2 The coverage descriptions are for educational purposes only and may vary by policy and state. Your Policy, Policy Declaration, and/or Amended Declarations are the primary sources of reference for your coverage information and govern your Policy and any subsequent claim.