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Condo Insurance Made Simple, Protection Made Strong
Owning a condo is different from owning a home—but it comes with just as many risks. While your HOA’s master policy protects the building exterior, it won’t cover what’s inside your unit. Advisors helps you navigate the fine print, clarify what your HOA covers, and make sure your interior, improvements, and personal property are fully protected.
Protection Beyond the HOA Master Policy
Condo and townhome insurance can be tricky—what belongs to you, what belongs to the association, and where the gray areas are. We help you avoid gaps by recommending robust coverage that goes beyond the bare minimum. That way, when damage or liability strikes, you won’t be left paying out-of-pocket.
Interior Unit Coverage
Protects everything inside your condo unit—walls, flooring, cabinets, and upgrades you’ve made.
Personal Property
Covers your belongings—furniture, clothing, electronics, and more—against theft, fire, or water damage.
Liability Protection
Shields you financially if someone is injured in your unit, covering medical bills and legal costs.
Loss of Use
Pays for temporary housing and meals if your condo is damaged and you need to relocate.
Mandatory Coverages
The essentials every condo owner should carry for protection and peace of mind.
Protects your unit’s walls, flooring, and permanent fixtures that aren’t covered by your HOA.
Safeguards your belongings against theft, fire, and other covered risks.
Protects you if someone is injured in your condo or you’re held responsible for damages.
Optional Coverages
Customizable add-ons for extra security.
Covers upgraded features like custom countertops, cabinets, or flooring.
Helps pay your share if your HOA passes along costs from building damage or liability claims.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Townhome owners usually insure the building structure, while condo owners typically insure only the inside of their unit. HOA rules vary, so we’ll review your covenants to match the right coverage.
No. The master policy often stops at the studs, leaving the interior of your unit and your personal belongings unprotected. Carrying your own robust coverage ensures you’re not left with gaps.
It depends on the value of your belongings. Don’t underestimate—tally furniture, electronics, clothing, and essentials to ensure your coverage reflects true replacement cost.
Homeowner Pro Tips
Explore our expert advice on a range of important insurance topics.
Meet Alan Lachica
Alan embraces our team approach in providing customized, high-quality protection options for our clients.
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