Protect Your Home Within a Community
Owning a condo offers the convenience of community living while giving you the pride of homeownership. But condos come with unique risks.
Shared walls, common areas, and building-wide systems mean that certain damages may be covered by the condo association’s insurance, but your personal belongings and the interior of your unit often are not. That’s where INSight Partners can help.
Why Condo Insurance Matters
Even minor incidents, like a kitchen fire, plumbing leak, or theft, can lead to significant out-of-pocket costs. While condo association insurance covers the structure of the building itself, it typically doesn’t protect your furniture, electronics, clothing, or personal valuables. A tailored condo insurance policy ensures your property and liability needs are addressed, giving you peace of mind while living in a shared community.
Choosing the Right Coverage
Your condo insurance needs depend on the size and value of your unit, the belongings inside, and your risk tolerance. Our risk advisors work with multiple carriers to design a policy that fits your lifestyle and protects your most valuable assets. We’ll also help identify discounts or bundling opportunities to make coverage more affordable.
Our risk advisors work with multiple carriers to design a policy that fits your lifestyle and protects your most valuable assets. We’ll also help identify discounts or bundling opportunities to make coverage more affordable.
Common Condo Insurance Coverages
- Personal Property Coverage – Protects your belongings from theft, fire, water damage, and other covered events.
- Building Interior Coverage – Covers improvements or upgrades you’ve made to your unit, such as cabinets, flooring, or appliances.
- Liability Coverage – Provides protection if someone is injured within your unit or due to your actions.
- Loss of Use / Additional Living Expenses – Covers temporary housing and expenses if your condo becomes uninhabitable due to a covered event.
- Optional Coverages – High-value items, water backup protection, or earthquake/flood endorsements for extra security.
