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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

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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.

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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?

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Your personal property

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Appliances

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Furniture

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Interior walls

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Wiring and plumbing

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Carpets

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Light fixtures

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Countertops

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Loss of use (temporary housing if displaced)

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Medical payments to those injured on your property

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

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Personal injury (libel, slander, or defamation lawsuits)

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Loss assessment (your portion of common area damage)

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Storm damage

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Water backup

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Theft

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Fire damage

What is not typically covered?

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Floods (hint: you may need flood insurance)

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Earthquakes (optional)

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High-risk dog breeds

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Wear and tear

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Damage from lack of maintenance

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Intentional bodily injury or property damage

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

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Anything covered under your HOA master policy

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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.

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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.

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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

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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.

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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.

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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.

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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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