Condo Insurance

Condo Insurance Quotes

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Get condo insurance coverage that goes beyond your condominium association's policy

Owning a condominium is an important responsibility, so you should consider how to protect your unit and personal property by starting with a condo insurance quote. Because the master policy of the condo or co-op may vary in its coverage of the exterior and interior of the unit, your condo policy is tailored to provide coverage for the structure for which you, as the owner, are responsible. A condo insurance policy can offer an extra layer of protection for your family.

Protect your condo with a fast, free condo insurance quote. Get started with a quote today!

Why do you need condo insurance?

Life is unpredictable. A condo insurance and co-op insurance policy will protect your unit and your personal property from unexpected circumstances such as fire, lightning, theft, and vandalism.

With a condo or co-op insurance policy, you may be covered for certain kinds of accidents like a neighbor slipping on a wet kitchen floor and water damage in your unit.

How much would it cost to replace my stuff?

Do you know the value of your belongings? It may be more than you think. Use our handy personal property calculator to estimate the cost of replacing your personal property.

Customers who need condo insurance may need special coverage for their jewelry collection like engagement rings, wedding bands, and diamond bracelets. We can help you find a jewelry insurance policy to cover your valuables.

What does a condo insurance policy cover?

Personal Property

A condo or co-op policy can help protect your personal property. These items include:

  • Furniture
  • Clothing
  • Electronics
  • Jewelry, etc.

Use our personal property calculator to estimate the cost of replacing your belongings.

Unit Coverage

The condo association's master policy often includes the outside structure of the unit. However, you need to protect everything that's inside your condominium unit. This can include additions, renovations and upgrades to the following:

  • Hardwood flooring
  • Interior walls
  • Cabinets

You should check what the association's master policy covers for the building. This will help you decide the appropriate protection for your condo insurance policy.

Personal Liability

Every condo policy includes personal liability protection, which may cover injury or property damage by you or a household member. Your policy includes medical payment coverage for people who don't live with you and get injured on your property.

How much condo insurance coverage is needed?

How much condo insurance coverage is needed depends on various factors, such as location, the cost to replace interior fixtures, and what the HOA's insurance policy provides coverage for.

For a policyholder to properly protect their investment they want to confirm that they have adequate coverage for the cost of repairing or replacing finishes, fixtures, and interior elements in their unit.

It is important to know that this coverage insures replacement costs, rather than market value.

Additionally, a policyholder may require higher personal property protection if their belongings are of higher value, such as designer furniture, artwork, and sophisticated electronics.

If the condo association's master policy provides extensive coverage for the interior structure, such as walls, floors, and built-in fixtures, the policyholder may decide to reduce their dwelling coverage accordingly. It is important, however, to exercise caution when considering less coverage, as unforeseen events like accidents or natural disasters can still occur, potentially leaving the owner financially vulnerable if their coverage is inadequate.

How much is condo insurance?

Factors that Affect Condo Insurance Coverage Rates

Condo insurance is often more budget-friendly than homeowners insurance—you can get a policy as low as $35 per month! Condo owners are typically only responsible for the interior of their unit, allowing them to purchase less extensive coverage. There are numerous factors that influence condo insurance coverage rates, including:

  • Location
  • Deductible
  • Required coverages

Budget-Friendly Discounts

Want to save money on condo insurance? You might qualify for a discount if your unit has certain safety features, such as deadbolt locks or a monitored security alarm system. It literally pays to check!

Liability Coverage Included

Every condo policy includes personal liability protection, which may cover injury or property damage by you or a member of your household. In addition, your policy includes medical payment coverage for people who don't live with you and are injured while on your property.

Convenient Service and Claims

A condo/co-op policy through GEICO Insurance Agency is also very convenient. It is a breeze to pay your bill, report a claim, or make a change.

Need to speak with us about condo insurance?

Need to speak with us about condo insurance? GEICO can help you with your condo insurance quote. Give us a call at (800) 841-3005.

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Condominium Insurance FAQ

  • What is co-op insurance?
    Co-op refers to the type of home you live in but is covered under the same policy as a condo insurance policy. Check out our co-op insurance page for additional info.
  • Why do I need condo insurance?
    Get condo insurance to protect your stuff. Accidents happen. Being prepared can make it easier. Learn more reasons on our condo insurance info page.
  • What's the difference between condo insurance and homeowners insurance?
    Condo insurance is designed for owners of condominiums or apartments. It typically covers the interior of the unit, personal property, and liability. It may also cover damage to the common areas of the exterior of the building, but this depends on the specific policy and the terms set out by the condo association. While condo and homeowners insurance policies may include liability coverage, condo insurance policies may have additional coverage for damage to common areas, such as hallways or shared amenities.
  • What do I need to know about condo insurance?
    Check out our condo insurance article to learn about what a condo master policy is, what you need to insure, and more.
  • Where can I learn more about condo insurance?
    Get more guidance on understanding what you need to insure with your condominium insurance.
  • What isn't covered by condo insurance?
    Condo insurance may also cover the building's common areas and exterior walls.
  • Does condo insurance cover me if I'm a renter?
    Renter insurance and condo insurance are two different forms of insurance. If you are a renter, renters insurance is an affordable option to cover your belongings and for liability claims if you are legally responsible for someone else's injuries or property damage.
  • Is condo insurance required by your HOA (homeowners association)?
    Condo insurance requirements vary by HOA. While some HOAs (homeowners association) mandate unit owners to carry condo insurance, others may not. It is crucial for condo owners to review their HOA's bylaws and regulations to determine whether condo insurance is mandatory. Even if not required, unit owners should consider having condo insurance to protect personal belongings and provide liability coverage.
  • Are townhomes insured like condos?
    Townhomes and condos often share similarities in insurance needs because both are part of a common interest community. Typically, townhome insurance is similar to condo insurance, covering the structure's interior, personal property, and liability. Townhome owners, however, might have a greater responsibility for insuring the exterior of their units compared to condo owners. It is essential for townhome owners to consult their HOA agreements and insurance specialists to understand their specific coverage requirements.
  • What is a HO-6 policy?
    An HO-6 policy is a type of homeowners insurance designed specifically for condominium and townhouse owners. It provides coverage for the owner's personal belongings, liability protection, and structural elements within the unit, like walls, floors, and fixtures. HO-6 policies also typically include coverage for improvements or upgrades made by the unit owner. The insurance complements the policy held by the homeowners association (HOA), which typically covers the building's exterior and common areas.
  • How important is the location for the cost of condo coverage?
    Location significantly influences the cost of condo coverage. Condos in areas prone to natural disasters or with higher crime rates often have higher insurance premiums. Additionally, the state and city where the condo is located can impact insurance rates due to varying regulations and local risk factors. Insurance costs are also influenced by proximity to fire departments, emergency services, and construction quality in the area.

Condominium and Co-op coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.

The information you provide will be shared with our business partners so that they can return a quote.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.