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Condo Insurance

Owning a condo or townhome comes with unique insurance needs that differ from a standard homeowners' policy. At Prime Insurance Services, we understand these differences and offer customized condo insurance policies to protect your property, belongings, and liability.

Why Condo Insurance is Different from Homeowners' Insurance

Unlike traditional homes, condos and townhomes are often governed by a Homeowners' Association (HOA). While your HOA may have insurance, it typically only covers the exterior structure and common areas—leaving the interior of your unit and personal belongings unprotected. That's where condo insurance comes in.

Our Condo Insurance Coverage Options

As an independent agency, we work with multiple insurance carriers to find the best policy for your needs. Coverage options include:

• Condo Liability Coverage – Protects against legal and medical expenses if someone is injured in your condo
• Personal Property Protection – Covers your furniture, electronics, appliances, and valuables in case of damage or theft
• Loss Assessment Coverage – Helps cover costs if your HOA imposes a special assessment for damages not fully covered by their policy

Why Choose the Right Coverage

• Covers What Your HOA Policy Doesn't – Protects the interior of your unit and your belongings
• Provides Liability Protection – Covers legal and medical expenses if someone is injured inside your condo
• Ensures Financial Security – Helps cover unexpected repair or replacement costs
• Expert Guidance – Our team at Prime Insurance Services will help you customize the best policy for your needs