Renters/Condo Insurance
Insurance Designed to Protect What Makes Your Space a Home
What Is Renters/Condo Insurance?
Renters & Condo Insurance provides protection for people who live in apartments, rented homes, condos, or townhomes. While a landlord or condo association may insure the building itself, this coverage protects your personal belongings, your financial liability, and your peace of mind. It helps cover damage from fire, theft, vandalism, water incidents, and other unexpected events.
For condo owners, it can also cover improvements you've made to your unit and fill the gaps not covered by your HOA’s master policy.
Why Do You Need It?
Whether you rent or own a condo, your personal belongings and liability are your responsibility—your landlord or HOA won’t protect those items if something goes wrong. Without proper coverage, replacing your belongings after a fire, break-in, or water leak could cost thousands.
Renters & Condo Insurance also shields you from costly legal or medical bills if someone gets hurt in your unit. It’s an affordable way to protect your possessions, avoid financial surprises, and ensure you’re covered when life takes an unexpected turn.
Types of Renters/Condo Insurance
Personal Property Coverage – Protects your belongings—furniture, electronics, clothing, and more—from theft, fire, or damage.
Liability Protection – Covers legal and medical expenses if someone is injured in your unit or if you accidentally damage someone else’s property.
Loss of Use (Additional Living Expenses) – Pays for temporary housing, meals, and other costs if your home becomes unlivable due to a covered event.
Medical Payments Coverage – Covers minor medical bills for guests injured in your home, regardless of fault.
Building Property (Condo Improvements) – Covers upgrades or structural features inside your condo that you're responsible for, such as flooring or built-ins.
Loss Assessment Coverage (Condo Only) – Helps pay your portion of a shared HOA claim or deductible.
Replacement Cost Coverage – Ensures your belongings are replaced at today’s prices, not depreciated value.
Identity Theft Protection (Optional) – Helps recover costs and damages if your identity is stolen.
Earthquake or Flood Policies (Add-On) – Covers damage from natural disasters not included in most standard policies.
Scheduled Personal Property – Extra protection for high-value items like jewelry, art, or collectibles.