Personal Insurance / Condo
Condo Insurance
A condo policy is defined by what your association's master policy does not cover, which means you cannot size it properly without reading the association's declaration. That is the part most people skip, and it is the part that decides whether your cabinets and flooring are your problem or the building's.
What It Covers
The parts of the policy, in plain terms.
Interior and improvements
Cabinets, flooring, fixtures and finishes inside your walls. Whether these are yours or the association's depends on how the master policy is written: bare walls, single entity, or all-in.
Personal property
Everything you own inside the unit. The master policy never covers this.
Personal liability
Covers you if a guest is injured in your unit, or if something starting in your unit damages a neighbor's.
Loss assessment
When a loss exceeds the association's coverage and the cost is split among owners, this is what pays your share. It is inexpensive and routinely set too low.
How it plays out
A supply line lets go in an upstairs unit and comes through your ceiling. The association's policy handles the building's structure. Your ruined flooring, your furniture, and the hotel while it dries out are yours, and they come out of the unit policy.
Frequently Asked Questions
Condo Insurance questions we get.
How do I know what my association's policy covers?
What is loss assessment coverage and do I need it?
Is condo insurance required?
What Clients Say
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Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Boat & Watercraft
The boat, the motor and the trailer, on the water and on the road.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file