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You can get up to five condo insurance quotes for free on our site in minutes. You fill out a simple form with your contact information, and we will show you estimates of the premiums on condo insurance policies with different insurers. Most of the major condo insurance companies participate in our network, so you will get offers from some of the largest and best insurers in the industry.
As with all of our quotes, your quotes on condo insurance come with no obligation and are free of charge.
Condo owners have different insurance needs from renters or homeowners. Condo associations have insurance policies, but these policies only cover the building, the common areas of the property, and liability for the association. For this reason, condo owners need an insurance policy that protects the interior of their unit and their personal property from losses. For example, the condo association’s policy would not cover the damages if your upstairs bathtub overflowed and caused water damage to your walls. Similarly, if someone is injured on your property, the condo association’s policy would not cover the injured person’s medical expenses or any possible legal judgments against you. You should consider getting condo insurance quotes if you own and occupy a unit in a property owned by a:
The specifications of your state’s laws and the articles of your condominium association will determine exactly what the association’s insurance policy does and does not cover. The articles and laws will specify which components of the building are included in the policy. Generally, the association’s insurance policy stops at the exterior walls of the building, which leaves you accountable for the interior of your unit and potentially the fixtures as well. Your policy would cover these elements in addition to your personal property and liability risks.
Nothing is more important than protecting your condo, especially since so many other large & expensive assets can be housed in your home. Worry not - we've put together an assortment of useful guides and articles about condo insurance to help you ask the right questions & get the best rates!
Renting Out Your Ski Condo
One of the biggest pleasures of owning a second home is sharing it with other people. And if these people are willing to pay for that privilege, all the better. If renting out the property is one of your main reasons for buying a ski condo, then you should first consider [...]
Annual Co-Op or Condominium Meetings
With spring come the annual meetings of many condominiums and co-ops. Increasingly, well-run buildings are having difficulty reaching a quorum to hold these annual meetings. This difficulty arises because these meetings usually cannot be held unless condo owners representing more than 50% of a building’s common interests show up. Owners have [...]
Court Rulings on Condominium Owner Liability
In October of 2005, condo owners collectively breathed a sigh of relief when the New York state court of appeals overturned a decision that said unit owners could be held personally liable for injuries resulting from defects in the common areas of the condos. However, this ruling may provide condo [...]
Learn the basics of a homeowner’s policy before you buy condo insurance. Condo homeowner’s insurance protects the unit owner and is different from the condo association’s insurance policy. Condo insurance is designed specifically for condo owners. Below you will find everything you need to know before you purchase condo insurance.
The Condo Association Insurance Policy
To understand [...]
In this post, we will discuss how to review your HOA or condo association master insurance policy. Whether you’re evaluating your current master insurance policy or looking for a new one, here are the most important points of the policy that should be reviewed annually.
Each building’s replacement cost. Make sure you factor in type of [...]
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