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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.

Protect your identity

Get a free, no-obligation insurance quote today!

Find out just how reasonably priced condo insurance can be.

Get a Condo Quote

or call 800-242-6422

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.