Condo Insurance
Condo Insurance helps unit owners protect their interior space, personal belongings, and liability risks. While an HOA policy covers the building structure, this coverage fills the gaps, safeguarding what’s inside the walls and providing financial protection from unexpected losses.
Protection Designed Specifically for Condo Owners
Owning a condo comes with unique responsibilities. While the homeowners association typically insures common areas and the exterior structure, individual owners are responsible for everything inside their unit, and often for liability exposures as well.
Interior Structure Coverage
Protects flooring, cabinets, fixtures, and upgrades not covered by the HOA’s master policy.
Personal Property Protection
Covers furniture, electronics, clothing, and belongings from covered losses.
Personal Liability Coverage
Pays legal costs if someone is injured inside the unit and the owner is liable.
Loss Assessment Coverage
Helps cover shared HOA assessments for covered damages to common areas.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Primary Condo Owners
Residents living in their condo receive protection for interior structures, personal belongings, and liability exposures.
Rental Condo Owners
Owners renting out their condo gain coverage for the unit’s interior and liability risks not covered by the HOA.
Smart Coverage for Every Type of Condo Owner
Condo Insurance is essential for anyone who owns a condominium unit, whether it’s a primary residence, second home, or investment property. While the HOA typically covers the building’s exterior and common areas, owners are responsible for everything inside their unit. The right policy protects interior finishes, personal belongings, liability risks, and potential assessments, helping safeguard both their home and financial security.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Doesn’t the HOA insurance cover everything?
No. The HOA master policy usually covers the exterior and common areas. Condo Insurance protects the interior unit, personal belongings, and liability.
Is Condo Insurance required?
Most lenders require it if the condo is financed. Even if it’s not required, it’s highly recommended to protect against costly losses.
How much coverage do condo owners need?
It depends on the HOA’s master policy and the value of interior upgrades and belongings. An insurance professional can review the association’s documents to recommend appropriate limits.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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