New York Condo Insurance
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Condo insurance that fits your needs
How can I easily protect my condo in New York?
If you own a condo or co-op, then condo insurance is a smart choice for you in New York. A condo policy protects what your condo association’s master policy doesn’t, such as your cabinets, fixtures and possessions. It also provides protection against any liability claims brought against you.
Is condo insurance required by law?
While condo insurance is not required by law, mortgage lenders usually require that you have a certain amount before issuing a loan. So whether you live in New York, upstate or somewhere in between, play it safe—and smart—with condo insurance from Plymouth Rock.
What condo insurance protects
The coverages detailed below are standard on Plymouth Rock condo insurance policies in New York. If you want more protection, you can always add extra coverage.
Cabinets and fixtures
Your association’s coverage typically extends right up to the walls of your unit. Your condo insurance takes over from there. It protects what’s on your side of the walls, plus anything attached to them, such as your cabinets, appliances and flooring.
Example: If a burst pipe damages your kitchen cabinets, we can pay to repair or replace them.
Your belongings
Condo insurance can help you repair or replace any damaged or stolen personal items, such as computers, bicycles, TVs and furniture. You’re covered for damage caused by fire, wind, vandalism, theft and other events.
Example: If your TV is stolen from your condo unit, or from your car, we can pay to replace it.
Lawsuits and medical bills
If someone brings a claim or lawsuit against you, condo insurance can help you pay for your defense and court costs. It can also pay for medical expenses for guests who are accidentally injured in your unit.
Example: If a guest at your condo trips and falls, we can cover their medical expenses.
Emergency living expenses
If you’re forced from your unit or building due to a covered event, condo insurance can help cover costs such as alternate lodging and other living expenses.
Example: If a fire severely damages your condo, we can help pay for your hotel and cover your meals.
Got questions? You're not alone.
Common FAQs about New York condo insurance
Which discounts can help lower my condo premium?
You can save money if you qualify for one or more condo discounts. Here are some examples:
- Installed security systems
- Bundling with auto policy
- Being claims-free
- Going paperless
How can I purchase Plymouth Rock condo insurance in New York?
The first step is to get a condo insurance quote. You can choose from any of these convenient options:
What are the benefits of using a local agent?
Our independent agents in New York 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:
- Determine the right coverage and liability limits
- Select the proper deductible
- Take advantage of all available discounts
Can I add more protection to my policy?
Absolutely! If you want above-average peace of mind, we offer several optional coverages. For example, you can customize your condo insurance by adding the following:
- Home Systems Breakdown1
- Cyber and Identity Protection2
- Replacement Cost Contents
- Supplemental Loss Assessment
If you have pets and want to add pet insurance, you can do that too. However, pet insurance must be purchased as a separate policy altogether.
How long has Plymouth Rock been serving customers in the Northeast?
Plymouth Rock has been providing customer-first insurance for over 40 years. In that time, we’ve served more than 700,000 customers and sold more than $2.4 billion in managed premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.
“I can’t thank you enough for all the knowledge, support and guidance you have given our family.”
Jessica Z.
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*Installment fees apply and actual rate will vary by customer.
1 This coverage is backed by The Hartford Steam Boiler Inspection and Insurance Company.
2 Cyber and identity protection offerings are underwritten by CyberScout. Actual coverage is subject to the language in the CyberScout contract. Terms and conditions apply.
Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. A full list of underwriting companies by state can be found on our states licensed & disclaimers page. Actual coverage is subject to the language of the policy as issued. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies, and premiums may vary by purchase method.
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