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Condo Insurance

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Condo Insurance Provided By Our Agency

The master condo coverage often protects the shell of your unit, leaving your personal belongings and the unit interior vulnerable. We'll make sure you understand your bylaws and have the necessary protection.

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Personal Property
Building Property
Additional Living Expense
Loss Assessment
Guest Medical

Personal Property Coverage

Risk Factors

Your personal property, which includes furniture, clothes, and other collectibles, is also exposed to risk, which can cause a significant loss.


Personal property coverage protects your belongings that aren’t fixtures in your home. This includes clothes, furniture, portable appliances, and other possessions that aren’t affixed to your unit. As with building property coverage, you will only be able to file a personal property claim if the episode is a covered event, and coverage will only extend up to your policy’s limits.

Building Property Coverage

Risk Factors

Your building property might be damaged by fire, flood, and hail.


This protects you financially from damage to the interior of your condo unit resulting from a covered event, such as fire or wind damage. Up to your policy's limits, it will cover damage to your condo's floors, walls, tiles, cabinets, and other permanent fixtures.

Additional Living Expense Coverage

Risk Factors

In case your condo catches fire, you are bound to stay in a hotel till your condo is back to normal and pay for hotel accommodation from your own pockets.


Additional living expenses (ALE), also known as loss of use, helps pay for extra living expenses such as lodging, meals, laundry, and pet boarding if you cannot live in your condo because of a problem covered by the policy (such as a fire).

Loss Assessment Coverage

Risk Factors

If a common area, such as a parking garage of the condo, is damaged due to flooding, you are liable to pay a part of the expense cost along with others.


Loss Assessment coverage is a crucial feature of condo insurance because you share in the responsibility with the other condo owners for the condominium building and common areas. That means that if there is a special assessment (an added fee that is on top of your monthly condo fees) levied on your condominium building, all the condo owners must split the cost of the assessment.

Guest Medical Coverage

Risk Factors

A guest may arrive at your house and can possibly get himself injured unknowingly. You are liable to pay for his medical expenses.


If a guest is injured at your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.

What is Condo Insurance?

Condo insurance helps protect against losses and repair costs for a condominium unit. Condo insurance often covers theft, vandalism, fire damage, water damage, and more.

Why do I need Condo Insurance?

Even if your condominium association has coverage, an individual condo insurance plan can be handy. For example, their insurance might cover the association's condominium building, commonly owned property, and liability insurance.

Unfortunately, there are numerous situations in which your insurance coverage will not cover you or your belongings, such as a break-in, water damage to your living room walls, or someone tripping on your wet kitchen floor. Therefore, it would be advantageous if you had condominium insurance tailored exclusively to condos or co-op owners.

Condominium policies safeguard your personal belongings and the inside of your unit. You will also have liability protection for bodily injury or property damage to others.

What does a Condo Insurance policy cover?

What is covered by the condominium association's master insurance policy is determined by the articles of the condominium association and state legislation.

In most circumstances, the association's coverage ends at the exterior walls, leaving you responsible for the interior walls and maybe fixtures and your personal property and responsibility. This is where your condo policy comes in. Most plans will cover losses caused by:
  • Fire or lightning
  • Windstorm
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Accidental Discharge of Water


Regarding insurance for your condo unit, you should ensure coverage that fits your needs. We can help you tailor a good condo insurance policy for you. Contact us today!

Already have Condo Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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The Insurance Doctor

The Insurance Doctor Provides Auto, Home, Life, Personal, & Business Insurance to All of New Hampshire, Including Manchester, Concord, Bedford, Goffstown, Nashua, Merrimack, Rochester, and Portsmouth.
453 Second Street 
Manchester, New Hampshire 03102
Mon-Fri : 8:30am - 4:30pm
Sat-Sun : Closed
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(603) 647-5617
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