Condo associations have master policies that cover the property, common areas and the physical structure of your building. However, these master policies do not cover your personal property, customizations to your unit, injuries that happen at your place or lawsuits you may face. That's why you need a condo insurance policy to fill those gaps.
Condo insurance is a little bit different from homeowners insurance because you don't need to protect the outside of your condo (roof, exterior and more). It's called an H06 insurance policy and covers your interior walls, appliances, personal property, and other valuables. Get a condo insurance quote and cover the following and much more.
If your personal items (furniture, clothes, electronics, etc.) are damaged or stolen, we'll pay to repair or replace.
Lawsuits and legal fees
If someone sues you, your condo insurance liability kicks in. For example, someone might sue you if they're hurt on the property
If something you renovated or updated gets damaged-hardwood floors, granite countertops, etc. - we'll restore it to it's upgraded condition.