Condo insurance policy coverage
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What does condo insurance cover?

Dwelling and other structures coverage

This condo insurance policy provides protection for the parts of your condo that you are responsible for, such as built-in appliances and wall-to-wall carpet. It also covers property not attached to your condo, such as a detached garage or a gazebo.

Contents coverage

This protection helps cover your furniture, clothing and other items in your condo from specific perils like fire, smoke, wind and theft, as defined by your policy.

Personal liability

This insurance consists of two parts: bodily injury and property damage. If an accident occurs in your condo that damages someone or something, personal liability can help pay for the damages.

Personal umbrella liability insurance

A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.

Medical payments to others

This condo policy coverage may help pay for medical or funeral expenses of someone who is injured on your property.

Loss of use insurance

This insurance may help pay for an increase in living expenses if you are unable to live in the home after a covered loss.

Ordinance or law insurance

This insurance may help pay to rebuild your condo to current building codes after a covered loss.

Flood insurance

This option protects your condo and its contents from flood damages. It is a separate policy that can be purchased through the National Flood Insurance Program.

Earthquake coverage

This condo insurance policy provides additional coverage due to earthquake damage. A separate deductible applies.

Valuables Plus®

This insurance provides additional coverage for high value items such as jewelry, watches, antiques and fine art.

Water backup of sewer

Broadens the coverage for loss due to water backup through sewers or drains.

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