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Condo Insurance Coverage

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Condo Insurance

It can take just a few minutes to get a quote for condo insurance from Travelers. This coverage may help bridge the gap between your condo association’s insurance policy and what’s your responsibility. The condo association’s insurance policy may provide protection for damage to the physical structure of your condo unit, and common property of the condo association. Your condo insurance policy can cover your personal belongings and items in your home, and can also provide personal liability coverage.

What Does Condo Insurance Cover?

Personal Property Coverage

A condominium unit owner policy can provide coverage for your furniture and personal possessions against covered risks, such as fire, lightning and hail. Also known as “contents coverage,” it can help ensure that your property is protected up to the amount of protection you purchase.

Theft Protection

The condominium unit owner policy can also protect your property against many types of theft loss in your condo or anywhere in the world. Also included is coverage that can pay for theft from your unattended car or boat.

Special Limits of Liability for Certain Possessions

Most condo policies include special limits of liability for certain types of property. For example, $200 for money and coins, and $1,000 for theft of jewelry, watches or furs. You generally can choose to increase these amounts.



Personal Liability Protection

If a claim is brought against you or you are sued for accidentally hurting other people or damaging their property, liability coverage can help to cover the associated legal costs and related damages. Most condo unit owner policies provide $100,000 (minimum) in personal liability coverage for covered bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Medical Payments

Most liability coverage can pay up to $1,000 per person in necessary medical expenses — regardless of your legal responsibility — for guests who are accidentally injured on your property. It also can provide coverage in other situations as well. Higher coverage amounts are available.

 

Damage to Property of Others

Generally, should you accidentally damage someone else's personal property while that property is in your care, your condo owners policy can pay up to $1,000 for each covered occurrence.



Condo Additional Living Expenses

If your unit is damaged and you have to move out while it's being repaired, loss of use coverage can help. The policy can pay for additional necessary living expenses (which can include hotel, meals, laundry, etc.), up to a percentage of the contents coverage amount you selected. This is subject to coverage terms and limits.

Dwelling, Additions and Alterations

A condo unit owner’s policy can also provide coverage in other situations as well. According to your condominium declaration and/or bylaws, and/or the state where you live, you may be responsible for interior parts of your unit such as glass, walls and doors. Additions, alterations and other improvements made to your unit can also be covered up to the dwelling coverage limit.

Loss Assessment Coverage

Generally, condominium insurance can provide up to $1,000 of protection if damage to commonly owned property exceeds the amount of coverage in the condominium association’s insurance policy. If your condo association assesses all unit owners for the additional loss (or for personal liability claims against the association), this coverage can help. This amount may be increased.

Coverage for Other Structures

You may own other structures that are not part of your condo unit, such as a carport, detached garage or storage shed. If these structures are not considered to be common property, they generally are not covered under your association's insurance policy. Coverage options may be available as part of your condo policy.

 

 

OpenHouse – Your Free Home History Report

Better understand the history of major work and renovation for the home you plan to buy. OpenHouse helps you go beyond the paint and staging.

Get your report
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Additional Coverage

Broadened Coverage for Contents

Special personal property coverage provides "all-risk" protection for your possessions. This generally means that your personal property can be covered when damaged in many situations, regardless of the cause of loss. This is subject to coverage terms and limits.



Contents Replacement Cost

Personal property replacement cost loss settlement  provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles, and special limits apply to certain items such as jewelry, watches and furs.

Valuable Items Plus
Valuable items plus provides protection for special property such as jewelry, fine art, musical instruments, and home computers for an extended variety of losses and can provide higher limits of coverage. For your convenience, no appraisal or listing of insured items is required.

 

Related Products

Jewelry and Valuable Items

Jewelry and Valuable Items

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Umbrella Insurance

Umbrella Insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected  events.

Car Insurance

Car Insurance

Get protection that can give you peace of mind when you're on the road.

If You Bundle Your Policies, You Could Save Up to 15% on Your Home Insurance. See how

Tools & Resources

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How to Downsize Your Home in 6 Steps

Having a planned approach for how to downsize your home can help make the process less stressful.

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5 Questions to Ask Your Moving Company

Read these five questions to ask a moving company to help make sure they're the best fit.

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How to Move in 30 Days

This day-by-day guide and checklist can help you pare down and pack your possessions, so you can move as efficiently as possible.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority # 6519; Travelers Property Casualty Insurance Company, Certificate of Authority # 6521. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. Boat and Yacht Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut and are located at One Tower Square, Hartford, CT 06183. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. Underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.