Why do I need condo insurance?
Condo insurance protects your condo and belongings from unexpected damage or theft. It can also protect you financially if someone is injured and you’re found responsible. For example, a burst pipe may damage the kitchen cabinets in your unit. Or your laptop may be stolen from your car.
What does a standard condo insurance policy cover?
A standard condo insurance policy covers the interior structure of your unit, your personal belongings, personal liability, plus any living expenses if you’re temporarily forced out of your home. Basically, it picks up where your condo association’s master policy leaves off.
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Cabinets and Fixtures
Your association’s coverage typically goes up to the walls of your unit. We’ll protect what’s on your side of the walls, plus anything attached to them—such as your cabinets, tub, appliances and flooring. -
Your Belongings
If damaged or stolen, Plymouth Rock will arrange for your personal items to be repaired or replaced. It doesn’t matter if the items were inside or outside of your condo. -
Lawsuits and Medical Bills
If someone brings a claim or lawsuit against you and you’re responsible, we can help you pay for your legal fees. If a guest is accidentally injured in your unit, we can also pay for their medical expenses. -
Emergency Living Expenses
If you’re temporarily forced from your condo, we’ll help cover any loss of use costs such as temporary lodging, meals and other expenses while your condo is being repaired.
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How to customize your condo insurance
You can choose from a range of optional condo insurance coverages, also known as endorsements, to tailor your policy to your specific needs. For example, you can add home systems breakdown, identity theft, replacement cost contents and supplemental loss assessment.
Home systems breakdown
Protects you if important equipment breaks down in your home, such as your furnace, stove or air conditioning unit.
Identity theft
Helps reimburse you for expenses related to cybercrime and identity restoration, such as legal fees, lost wages and administrative costs.
Replacement cost contents
Pays to replace damaged or stolen personal items (like furniture, electronics, etc.) with brand-new items of similar quality at today’s prices, without deducting for depreciation.
Supplemental loss assessment
If damage to a common area exceeds your condo association’s master policy limits, they may ask you to pay for some of the cost. This optional coverage would pay for your share.
How can I lower my premium?
You can lower your condo insurance premium by regularly shopping for quotes and researching the types of discounts your insurance company offers. Bundling your insurance policies and raising your deductible can also help you save.
Bundle your policies
Thinking about bundling your condo and auto insurance? Smart move! It will probably save you some cash, plus, you can manage both of your policies in one account.
Apply for discounts
Most insurance companies offer a variety of discounts that will help reduce the cost of your condo insurance. You may be eligible for one or more.
Raise your deductible
A great way to lower your condo insurance premium—without compromising on coverage—is to raise your deductible. Smart condo owners have figured out this makes sense, as the chance you’ll ever file a claim is small.
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Got questions? You're not alone.
Common FAQs about condo insurance:
A master condo policy is a commercial insurance policy held by a condominium association (HOA) that covers the common areas of a condominium complex. This includes the building’s roof and exterior walls, as well as lobbies, elevators, fitness centers and pools. It’s usually paid for through association dues.
Your condo insurance deductible is the amount you pay out of pocket before your insurance kicks in. A higher deductible means you’ll pay more out of pocket in the event of a claim, but it could also lower your premium.
Condo insurance rates are based on a variety of different factors, such as how much coverage you need, the location and age of your home, and your claim history. Each insurance company decides what factors are important and how much weight to give each factor.
Independent agents are experienced, compassionate people—not automated bots. Plus, they work and live right in your community, so they understand your needs. They’ll help you:
- Get a free home or condo insurance quote
- Determine the best coverage and liability limits
- Select the proper deductible
- Take advantage of all available discounts
Plymouth Rock has been providing customer-first insurance in the Northeast for over 40 years. In that time, we’ve served over 900,000 customers and sold over $2.4 billion in annual premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.
