Condo Insurance - Personal

Many condo owners assume their building’s master insurance policy protects them fully — but that assumption can lead to costly gaps in coverage.

From personal belongings to custom upgrades and liability concerns, your individual unit needs its own protection. And if you’ve renovated or made permanent improvements, chances are, your association’s policy won’t cover those changes

Know Where Your Coverage Ends - and Where It Should Begin

Your building’s master policy typically covers common areas and the structure itself — but not what’s inside your unit. That means upgraded kitchens, built-ins, flooring, or even wall treatments may be your responsibility.

Buying a new unit? Talk to the contractor about any potential renovation costs — and check in with your insurance advisor before any work begins. Getting ahead of issues is the best way to avoid gaps in coverage later.

Smart Coverage, Tailored to You

Our Condo & Coverage Options Can Include:

• Loss Assessment Coverage
• Covers your share if the building’s policy doesn’t fully pay for damage to common areas or legal claims against the association.
• Personal Property Coverage
• Protects your belongings against damage or theft — even when you’re not home.
• Valuable Articles Coverage
• Coverage for high-value items like jewelry, fine art, and collectibles.
• Liability Coverage
• Safeguards you if someone is injured in your unit or if you cause accidental damage to another unit (like water leaks).
• Comprehensive Personal Liability
• Broader protection in case of lawsuits involving you or your family.