Condo Coverage That Completes the Picture.
Your association master policy only goes so far. We protect what is inside your walls and your personal liability.
What's Covered
- Interior walls, flooring, fixtures, and built-in features
- Personal property and valuables inside your unit
- Personal liability and medical payments to others
- Loss assessment coverage for shared-property claims
- Loss of use if your unit becomes uninhabitable
- Optional upgrades for high-value items
Why You Need It
Condo associations carry a master policy, but it usually stops at the bare walls. Everything inside, including your floors, cabinets, and belongings, is your responsibility to insure.
Loss assessment coverage is especially important in Florida condos, where owners can be charged for shared damage that exceeds the association policy limits.
We read your association documents with you so your personal policy fits neatly around what the master policy already covers, with no costly overlap or gaps.
Frequently Asked Questions
Master policies usually cover the building structure and common areas. Your unit interior and belongings are typically not included, which is where a condo policy comes in.
If the association bills owners for a shared loss that exceeds its policy limits, loss assessment coverage helps pay your portion of that special assessment.
Yes, though the coverage differs. If you lease your condo, a landlord-focused policy may be more appropriate. We can help you choose.
Sudden interior water damage is often covered, but flooding is not. We pair condo coverage with flood protection where needed.