Condo Insurance
Your condo.Your kind of coverage.
Your building may have a master insurance policy, but your unit, belongings, and liability can still need protection. We help you understand the difference.
Understand your options
What can condo insurance cover?
An HO-6 condo policy may help fill gaps between your association’s master policy and your personal insurance needs.
Interior improvements
Coverage may help repair covered damage to parts of your unit you are responsible for, subject to policy terms.
Personal belongings
Protect eligible furniture, electronics, clothing, and other belongings against covered losses.
Personal liability
Helps protect against certain covered claims if someone is injured or their property is damaged.
Loss of use
May help pay additional living expenses when a covered loss makes your unit unlivable.
Loss assessment
Optional or included coverage may help with certain assessments by your condo association, subject to limits and exclusions.
Special coverage options
Ask about water backup, scheduled valuables, and other enhancements where available.
The Birdie approach
Simple from start to finish.
Clear choices, thoughtful guidance, and help when you need it.
Tell us what matters.
Share your property details, priorities, and any current policy information.
Review your options.
We help explain available limits, deductibles, exclusions, and important differences.
Choose with confidence.
Understand your next steps and know where to turn with questions.
Frequently asked questions
Good questions. Clear answers.
Does the HOA master policy cover everything?
Usually not. The master policy and governing documents help determine what the association insures versus what individual unit owners need to insure.
Is condo insurance the same as homeowners insurance?
Not exactly. Condo insurance is typically designed for unit owners and works alongside the condo association’s master policy.
Does condo insurance cover flooding?
Most standard condo policies exclude flood damage. Separate flood insurance may be needed for your unit and belongings.
MORE CHOICES. PERSONAL GUIDANCE.
Protection that fits your place.
Explore available condo coverage and get help understanding your association’s insurance responsibilities.
Get a Condo Quote →