Condo Insurance

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What is it?

Condo Insurance covers the portion of the dwelling that is not covered by the Condo Association’s Master Policy, in addition to your personal property and liability. Typically, Condo Insurance is referred to as a “walls-in” or “studs-in” policy, which means that it covers the interior of the dwelling, while the Condo Association Master Policy covers the exterior and common areas.

What’s covered?

While there are many optional coverages you can elect to add to your Condo Insurance policy, these are the coverages most commonly included:

  • Dwelling/condo building items: This coverage extends to repair or rebuild the interior of the dwelling in the event of a loss.
  • Personal property: Coverage for your belongings, including clothing, furniture, electronics, dishes, etc.
  • Liability: Coverage for legal expenses and judgements against you if you are sued due to a guest's injury on your property or damaged you cause to someone else’s property.
  • Medical payments: If someone is injured on your property, regardless of whether or not you were negligent, this coverage can pay for their medical expenses.
  • Loss of use: If your home is uninhabitable due to a covered loss, this coverage will extend to cover the additional living expenses you incur as a result.
  • Loss assessment: This coverage extends to pay for a “Special Assessment” required by your Condo Association.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. Generally, when you purchase a condo there is a Condo Association that is responsible for the common areas and the exterior of the dwelling, and you are responsible for the interior or "studs-in".
  3. The Condo Association’s Master Policy will only cover the things the Condo Association is responsible for, it will not provide any coverage for the things you are responsible for, including the interior of the dwelling and your own liability.
  4. Condo Insurance helps to fill the gaps that are not covered by the Condo Master Policy.