Condo Insurance
Coverage for your unit, belongings, liability, and the gaps a master policy may not cover.
Condo insurance needs to work with the association master policy.
Condo insurance is different from homeowners insurance because the association master policy may cover some parts of the building while leaving other responsibilities to the unit owner.
Graziano & Lorince helps condo owners review interior coverage, personal property, loss assessment, liability, deductibles, and master policy responsibilities.
The best starting point is understanding what the association covers and where your own policy needs to respond.
Condo review points
- Interior building property and improvements
- Personal property coverage
- Loss assessment coverage
- Personal liability and medical payments
- Master policy deductible and coverage responsibilities
Explore related personal insurance options.
Use these pages to understand how each policy fits into your full protection plan.
Questions worth asking before renewal.
What is loss assessment coverage?
Loss assessment may help when the condo association assesses unit owners for certain covered losses or shared deductibles, subject to policy terms.
Do I need to review the master policy?
Yes. The master policy helps determine where association coverage ends and where your unit-owner policy should begin.
Ready to review your coverage?
Start a quote, request a coverage review, or call the agency for local guidance.