Water backup
Helps repair your property if it’s damaged by water from backed-up drains or sump pump failures.
Condo coverage built for you
Home protection that goes above and beyond.
What condo insurance coverages are standard?
Condo insurance offers a set of core coverages that work together to protect your unit, belongings and finances. Coverage requirements and availability may vary by state so your policy may not include these coverages.
Dwelling coverage typically protects items attached to your unit like cabinets, light fixtures and appliances, as well as any improvements you've made, such as upgraded countertops and flooring.
Personal property protects your belongings from damage or loss due to risks such as fire, theft and vandalism. This coverage generally applies to items like clothing and furniture.
Loss of use helps with additional temporary living expenses, such as hotel stays and additional meal expenses if your condo unit becomes uninhabitable due to a covered loss.
Personal liability provides financial protection if you’re held legally responsible for bodily injuries to others or damage to their property due to a covered incident.
Medical payments help provide coverage for injuries occurring to others arising out of a covered incident, regardless of who is at fault.
This coverage helps provide protection for charges made to all unit owners in your complex by your condo association for damage to common areas from a covered loss.
What other protections should I consider?
You can choose additional optional insurance coverages that provide extra layers of protection for your property and assets against certain risks that may not be covered by a standard condo policy.
Scheduled personal property
Covers specific higher-value items that a standard policy may not fully protect, like jewelry, art and antiques, to ensure they’re adequately insured against loss or accidental damage.
Electronics coverage
Specifically protects electronic devices from losses not covered in your policy, such as accidental damage.
Replacement cost
If covered items are stolen or damaged, this coverage helps you replace them without factoring in depreciation.
Identity theft
Helps you recover from the financial and personal impacts of having your identity stolen
There is more to learn about condo insurance
Discover the ins, outs, and everything in between.
Key Differences Between Condo and Home Insurance
Tips for Buying Your First Condo
5 Tips for Selling Your Condo
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