Condo Insurance

What Is Condo Insurance?

Condominium insurance covers damage to your unit and its common areas, including the roof, attic, walls, floors, parking lot, walkways and fences. Condo insurance can also provide coverage for personal possessions in your home, as well as liability protection if someone is injured while visiting you.

Why Do I Need Condo Insurance?

Many condo associations require their owners to maintain insurance coverage for all of the personal property located inside their units. This includes everything from furniture to collectibles.

Insurance for the unit itself is still the responsibility of the owner if their condo development has a Home Owners Association (HOA) that does not require this coverage as part of being in the HOA. If there is no HOA, then it’s up to you whether or not you want to insure your unit.

It’s important to know that even if your HOA covers the building structure, all of the fixtures within it are not included in that coverage. If something happens to those fixtures then it would be up to you to replace them at your own expense.

Since most condo insurance policies cover everything inside the unit for its full replacement value, this will save you money in the long run if something does happen.

Setting Up Your Condo Policy

Whether your condo is your home or an investment, our agents can help you establish complete protection against loss. Contact us now for a free consultation and let us help you get started.


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Peachtree City, GA 30269

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