Condo & Co-op Insurance
Tailored “walls-in” coverage protecting your interior upgrades, belongings, and mitigating association assessments.
Operational Risk Profile
Condominium ownership presents a unique “shared risk” environment. Your master HOA policy only covers the exterior building shell. Your primary risks include interior water damage leaking from adjacent units, liability for injuries inside your specific unit, and catastrophic “Loss Assessments” where the HOA mandates all owners pay out-of-pocket for a massive community lawsuit or uninsured property repair.
Core Coverage Considerations
While every unit has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Dwelling (HO-6 Walls-In) Coverage
Protects the physical alterations, custom cabinetry, flooring, and built-in fixtures you have added to the interior of your unit.
Loss Assessment Protection
Critical coverage that pays your share of a severe HOA special assessment levied against the unit owners for community property damage or liability claims.
Personal Property Coverage
Replaces your furniture, electronics, and wardrobe in the event of theft, fire, or catastrophic water damage within the building.
Want a quote for Condo & Co-op Insurance?
Send us a few details and we’ll find you options from multiple carriers.