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Condo insurance is coverage purchased by the condo owner that helps protect against losses and repair costs for a condominium unit. Condo insurance protects what your condo association's master policy won't and often provides protection for theft, vandalism, fire damage, water damage, and more.

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CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.

HOA Considerations

Your condo association will carry a master insurance policy, and in many cases some of your condo fees go toward this master policy, that covers the things they’re responsible for, including the grounds, common areas (such as hallways and elevators), and the outside/physical structure of your condo. In most cases, your personal property and the interior of the condo aren’t covered by the association’s insurance policy.

While your association’s insurance policy typically covers common areas of your building it may leave the interior of your unit and your personal possessions vulnerable. Condo insurance covers your personal belongings and the interior of your structure — from the walls in. This includes countertops, cabinets, flooring, as well as personal liability coverage and temporary living expenses in the event of a covered loss.

Requirements will vary per HOA, but a condo insurance policy may not be mandated by your condo association. They may require you to pay dues to help cover the HOA’s master policy. Note that you will need condo insurance if you’re financing your condo.

What does Condo Insurance cover?
  • Personal Property
  • Loss of Use or additional living expenses
  • Property Damage
  • Personal Liability & Medical
  • Loss Assessment
  • Optional Coverage

We customize your Condo Insurance so you only pay for what you need. If you have questions on how to customize your protection, our licensed representatives are standing by to guide you through our coverage options.

What if I'm renting a condo?

Just like if you’re renting an apartment or home, it’s wise to carry renters insurance even if it’s not required by your condo association or landlord. Renters insurance is generally affordable and can cover your personal belongings as well as liability claims if you’re legally responsible for someone else’s injuries or property damages.

What is the difference between condo insurance & homeowners insurance?

Like homeowners insurance, condo insurance covers your belongings, injuries on your property that you are liable for, and temporary living expenses. The main difference, however, is that damage to the outside of your home, including exterior walls and garages, won’t be covered under condo insurance. Also, your condo policy may not offer liability protection against injuries in the common areas (hallways, parking lots, etc.) of your condo complex.

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