Your Association Insures the Building. Who Insures the Rest?
Condo insurance is complex. Depending on your association's bylaws, you might own just the paint on the walls—or everything inside the studs. We review your master policy to ensure you aren't paying for coverage you don't need, or missing coverage you do.
Do You Need 'Walls-In' or 'All-In' Coverage?
Not all condos are the same. Your Master Association Policy typically covers the roof, the exterior, and the common areas. But inside your unit, it gets tricky. We help you determine which policy you need:
"Bare Walls" (Walls-In): The HOA covers the studs and drywall, but you are responsible for the flooring, cabinets, toilets, and lights. If a pipe bursts, you pay to replace the kitchen.
"All-In" (Single Entity): The HOA covers the original fixtures (cabinets, floors), but you are responsible for any upgrades you've made (like granite counters or hardwood floors).
“He asked lots of questions... and analyzed our existing policies... He spotted gaps in our coverage and places where we were underinsured... We were so pleased to get better coverage with a lower premium.”
We Find the Gaps Your HOA Left Behind
The 4 Pillars of Condo Protection
1. Loss Assessment: Critical. If your Association has a major loss (like a roof collapse or a lawsuit) that exceeds their insurance, they can send a "special assessment" bill to every unit owner for thousands of dollars. This coverage pays that bill for you.
2. Personal Property: Covers your furniture, clothes, and electronics.
3. Personal Liability: Protects you if a guest slips in your unit or you accidentally damage a neighbor's unit (e.g., your tub overflows into the unit downstairs).
4. Improvements & Betterments: Covers the value of that new kitchen or bathroom renovation you just finished.
A strong HO-6 (Condo) policy includes:
We Read the Bylaws So You Don't Have To
You can't quote condo insurance properly without looking at the Association's rules. We take the time to review your Association's 'Declarations' to see exactly what they cover, so we can build a policy that fits like a puzzle piece—seamless protection with no double-coverage.
Stop Guessing About Your Coverage
Let us review your Master Policy and build the plan that protects your home.
Or Call Our Personal Lines Team: 215-637-8223