Condo and Townhome Insurance

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Let a Westwood agent help you determine exactly what your condo association’s master insurance policy covers — and doesn’t cover — so you get the right protection.

Condo and Townhome Insurance

Condo and townhome living provides many amenities and lifestyle conveniences. However, insurance coverage for your personal property and personal liability are probably not included in the amenities. A Westwood condo specialist can help you determine exactly what your condo association’s master policy covers (and doesn’t cover!) so that we can help you get the right protection.

cell icon Call us for a quote or questions regarding Condo Insurance at 888.543.6179

Why Condo Insurance?

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Couple in apartment complex
Your homeowners association’s master policy typically limits coverage to the building exterior, walkways, landscapes and common areas. It does not cover your personal belongings and may not cover items such as countertops, fixtures and other installations within your unit – nor does it protect you from any liability claims against you.

The condo association policy also does not protect you from liability claims against you. So, this coverage can protect your bank account from the cost of repairing or replacing personal property or paying medical and legal fees if someone is hurt in your unit.

What’s included in Condo Insurance?

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  • Repairs to interior walls and built-in fixtures, bookcases and countertops.
  • Replacement or repairs of personal property including furniture, appliances and clothing.
  • Loss Assessment coverage, providing protection for situations where each owner of a shared property is held financially responsible for a portion of the cost of damage.
  • Medical payments to others injured while in your condo, including payment for legal fees for a related claim.

full coverage details

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Optional Policies

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There are additional endorsements or policies available for perils not covered on standard condo policies. If you have a risk you are unsure about, ask us! Here are some examples where we can help:
  • Earthquake
  • Flood
  • Service Line
  • Golf Cart
  • Personal Articles Floater (PAF)
    Scheduled Personal Property
  • Pet
  • Event
  • Bicycle
  • Equipment Breakdown
  • Umbrella

Westwood News and Insights

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