protecting your living space

Pick up where your master HOA policy leaves off with condo insurance

While your condo’s structure is covered by your HOA association, a personal policy covers your possessions and those pesky HOA assessments

What is Massachusetts condo insurance?

If you live in a condo, you may be aware that your home is covered under your condo association’s HOA policy (master policy). But did you know this policy likely only covers your condo’s building and common areas; nothing inside your unit?

If there were an incident such as a fire, storm, or theft, your possessions would not be covered unless you have a separate condo insurance policy.

With the right coverages and limits, condo insurance pays for the repair or replacement of the possessions in your condo from unforeseen incidents such as fires, storms, thefts, tree falls, and lawsuits.

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Condo insurance statistics

While you might think it won’t happen to you, condo insurance claims can affect anyone, causing significant losses.

Percentage of claims resulting from property damage or theft

Average amount insurance covers from a home insurance claim

Percentage you can save by bundling your condo and auto insurance.

What does Massachusetts condo insurance cover?

While you may assume an individual condo insurance policy covers everything within your home, this may not be the case. MA condo insurance has limitations, exclusions, and optional coverages you’ll want to know about.

What is typically covered?

Your personal property

Appliances

Furniture

Interior walls

Wiring and plumbing

Carpets

Light fixtures

Countertops

Loss of use (temporary housing if displaced)

Medical payments to those injured on your property

Personal liability (if someone sues you from being injured on your property)

Personal injury (libel, slander, or defamation lawsuits)

Loss assessment (your portion of common area damage)

Storm damage

Water backup

Theft

Fire damage

What is not typically covered?

Floods (hint: you may need flood insurance)

Earthquakes (optional)

High-risk dog breeds

Wear and tear

Damage from lack of maintenance

Intentional bodily injury or property damage

Any damages beyond your coverage limits (hint: you might need umbrella insurance)

Anything covered under your HOA master policy

Got condo insurance questions? We’ve got answers.

We know there’s a lot at stake when it comes to protecting your condo. You probably have loads of questions, so let’s get you started on the basics.

Do I need condo insurance? What if I have a policy through my HOA?

How much condo insurance do I need?

How much does condo insurance cost?

What happens if I need to file a claim?

How condo insurance gives you a strong foundation

Condo insurance is one of those things we wish we didn’t have to buy, and definitely hope we don’t need to use. But if something were to happen to your home, you want to be covered.

Reimbursement from disasters

Your furniture, electronics, clothes, prized possessions, and all the essential parts to your home are covered from damage or theft. You can even schedule important items to make sure they are completely covered and not subjected to limits.

No over/under paying

Your “stuff” isn’t the same as everybody else’s. Your coverage should protect all the things you love and none of things you don’t

Protection against unexpected lawsuits

You can’t always control what happens on your property, so you certainly don’t want to be responsible for it. Condo insurance covers injuries to others, and even claims of libel, slander, or defamation.

Guaranteed housing

If something does happen to your apartment, you never have to worry about being out on the street. Condo insurance will set you up with temporary housing while yours is being repaired.

No paying for what you aren’t responsible for

When your condo association conducts a loss assessment as a result of a claim, your insurance pays so you don’t have to.

Simplifying condo insurance … one blog at a time

Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

Everything You Need to Know About Condo Insurance

Condo insurance is important in protecting your home. We will help educate you understand the types of condo insurance, and what you need to be fully protected.

How Much Does Condo Insurance Cost in Massachusetts?

The cost of MA condo insurance can vary based on several factors. We’ll go over what influences cost and what you can expect to pay in this article.

Find Out

Walls-In vs. All-In Condo Insurance

Condo insurance is more complex than the home insurance or renters insurance policies you may be used to. For example, do you know the difference between walls-in and all-in coverage? Well we dive into that in this article.

Learn More

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Pick up where your association’s policy leaves off with condo insurance

When something happens to your condo, you want the peace-of-mind coverage to know you can get it fixed quickly and easily. Simply fill out this form and a member of our personal insurance team will be in touch!

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