Condo Insurance: Protection Beyond Your Association Policy
Get proper coverage for your unit and belongings. Our experts help navigate HOA coverage gaps.
Get Complete Condo Protection with Stanley Insurance Group
Standard HOA policies leave significant coverage gaps. Get comprehensive protection starting at $25/month. Our team compares top carriers to find optimal coverage that complements your association policy.
What Condo Insurance Generally Covers
Your HOA master policy only covers the building structure. Personal condo insurance protects your unit's interior, personal belongings, liability claims, and living expenses if your unit becomes uninhabitable. Our experienced agents ensure coverage aligns with your association policy and find available discounts through multi-policy bundles and security features.
Additional Coverage Benefits
While standard policies cover basics, condo owners often need enhanced protection. We offer specialized coverage for high-value items, water backup damage, loss assessment coverage, and unit improvements. Let us help coordinate proper protection with your HOA policy.
Get Covered Today
With 4 Easy Steps to Better Coverage & Savings
Review Your HOA Policy
We analyze your association coverage to identify gaps.
Compare Options
Evaluate personalized quotes that complement HOA protection.
Select Coverage
Choose comprehensive protection with our team's expert guidance.
Enjoy Peace of Mind
Knowing your unit and belongings are fully covered.
Why Condo Owners Trust Stanley Insurance Group
Join thousands of protected owners who rely on our expertise. Our Google rating and A+ BBB score reflects our commitment to finding complete coverage at competitive rates.
Smart Ways to Maximize Protection
Essential coverage should include:
- Interior structure protection
- Personal property coverage
- Liability protection
- Loss assessment coverage
- Living expense protection
Let our team help you find the best coverage options for you or check out our blog for more ways to save on your Condo Insurance.
Condo Insurance Questions Answered
Expert answers about protecting your unit and belongings
Condo insurance is a type of insurance policy that protects the owner of a condominium unit. It covers personal property, liability, and the interior structure of the unit. Unlike homeowners insurance, which covers the entire property, condo insurance focuses on the individual unit and its contents.
- Personal Property: This includes coverage for your belongings such as furniture, electronics, and clothing.
- Liability Protection: This protects you in case someone is injured in your unit and decides to sue.
- Loss of Use: If your condo becomes uninhabitable due to a covered loss, this coverage helps pay for temporary housing.
HOA master policies typically only cover the building exterior and common areas. Your unit's interior, belongings, and liability need separate coverage. We'll review your association policy to identify gaps.
Coverage needs depend on your unit's features, improvements, and belongings value. Most owners need $25,000-50,000 for unit protection plus personal property coverage. We'll help calculate your specific requirements.
This protects you from special assessments when HOA master policy limits fall short. Without it, you could face significant out-of-pocket costs. We'll help determine appropriate coverage levels.
Coverage varies between HOA and personal policies. We ensure you're protected against common water issues like pipe bursts and backup damage.
Security systems, water leak detectors, and policy bundling often reduce premiums. Many clients save 15-25% through our carrier comparisons and discount programs.
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Get Your Free Quote Today
Take 5 minutes to secure proper coverage. Our condo insurance experts will help coordinate protection with your HOA policy.
