Dwelling
Covers items built into your unit and improvements you've made from covered losses.
Condo insurance built for you
Build a personalized condominium insurance policy with award-winning service.
The condo insurance you deserve
Condominium insurance goes beyond basic protection for your unit, filling the gaps between your condo association's policy and personal liability needs.
Save your way
From discounts to dividends, discover ways to save on your condo insurance.
Bundling discounts
Save up to 30% when you carry multiple policies with Amica.1
Smart home discounts
Save with smart devices that protect your condo.2
Dividend policies
You could get a percentage of your premiums back at every renewal.3
The more you're protected, the more you save
When you bundle policies, you get more of Amica's world-class service for less.
Condo insurance FAQs
Review your HOA’s master policy to determine your required dwelling coverage. The type of master policy — either “all-in” or “bare walls” — will impact the amount of coverage you need. For example, if the master policy is “all-in,” it likely covers walls, ceilings, floors, cabinetry and lighting, so you may need less dwelling coverage.
Your personal property coverage needs are based on the value of your belongings. Start by taking inventory of your possessions room by room to determine how much protection you require.
Your liability coverage may be dependent on the guidelines set by your HOA, but minimum coverage typically starts at $100,000.
Typically, you can get condo insurance for less than $40 a month.4 Like other insurance, the cost of your condo insurance depends on factors like your location, deductible and coverages you need.
Comparable to homeowners insurance, condo insurance covers the interior of your unit, your belongings, liability and temporary living expenses. However, it differs in that it doesn’t cover damage to the outside of your building, such as exterior walls and roofs. Additionally, condo insurance may not provide liability protection for injuries occurring in shared spaces, like hallways and parking lots.
Your homeowner’s associations (HOA) master policy won’t cover personal property or liability for losses inside your unit; it generally covers the building's exterior and common areas. Condo insurance fills the gap, protecting your unit’s interior and your personal belongings. Also, condo insurance is often required by lenders or homeowners associations.
Condo insurance shouldn't be complicated. We make it simpler.
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Coverage options and discounts not available in all states and may vary. Multiline discount must include the combination of all three product lines and applies only to your Amica auto and/or home policies.
Discounts not available in all states and may vary.
Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
AMIC-01-051327