Condo Insurance
Protect Your Condo and What’s Inside
At Hervey Insurance Agency, our Condo Insurance helps protect your unit, personal belongings, and financial security. Whether you live in your condo full-time or use it as a secondary residence, we help you choose coverage that complements your association’s master policy and fits your lifestyle.
Condo Insurance Coverage, Designed for Condo Owners
• Interior Structure Coverage
Helps protect the inside of your unit, including walls, flooring, fixtures, and improvements you’ve made.
• Personal Property Coverage
Helps replace furniture, electronics, clothing, and other belongings if they’re damaged or stolen.
• Liability Protection
Helps cover legal and medical expenses if someone is injured in your unit or if you cause damage to another unit.
• Loss Assessment Coverage
Helps cover your share of certain association assessments following a covered loss.
Get a personalized condo insurance quote today
Condo insurance doesn’t have to be complicated. Request a free quote online or speak with a local agent who can help you understand your association’s requirements and your coverage options.
Why Condo Insurance Matters
Many condo owners assume their association’s insurance covers everything — but that’s rarely the case. Condo insurance helps protect what the master policy may not, including your unit’s interior, personal belongings, and personal liability.
The right condo policy helps protect your investment and provides peace of mind both inside and outside your unit.
Condo insurance helps:
✔ Protect the interior of your condo and personal belongings
✔ Provide liability coverage for accidents or damage involving your unit
✔ Help cover certain association assessments after covered losses
✔ Offer financial protection beyond the association’s master policy
Condo Insurance FAQs
What does a condo association’s master policy cover?
A master policy typically covers common areas and the building’s exterior. Coverage for the interior of your unit and belongings usually requires a separate condo policy.
How much condo insurance do I need?
Coverage needs depend on your unit’s interior features, personal belongings, and association requirements. Our agents help you choose coverage that fits your situation.
Does condo insurance cover improvements or upgrades?
Yes, many condo policies can help cover upgrades like flooring, cabinets, or fixtures, depending on your policy.
Can life insurance be used for more than final expenses?
Yes. Life insurance can help replace income, pay off debts, fund education, or support long-term financial goals.
Is condo insurance required?
Condo insurance may be required by your lender or condo association. Even when not required, it’s strongly recommended.
Can condo insurance be bundled with other policies?
Yes. Condo insurance can often be bundled with auto or other policies, which may help you save money.
How do I get a condo insurance quote?
You can request a free quote online or contact Hervey Insurance Agency to speak with a local agent for personalized guidance.
Still have questions?
Our team is here to help. Contact Hervey Insurance Agency today for personalized guidance and insurance options tailored to your needs.
About Hervey Insurance Agency
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