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.

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 City, upstate or somewhere in between, play it safe—and smart—with condo insurance.

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Standard Coverages in New York

The coverages detailed below are standard on nearly all 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’ll pay for you to repair or replace them.

Your Belongings
Condo insurance can help you repair or replace 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 perils.

Example: If your laptop is stolen from your unit, or from your car, we’ll 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 home.

Example: If a guest at your condo trips and falls, we’ll cover their medical expenses.

Emergency Living Expenses
If you’re temporarily 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’ll help pay for your hotel and cover your meals.

Get a Condo Insurance Quote

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New York Condo Insurance Resources

What Does Condo Insurance Cover

A standard condo insurance policy in New York typically includes four types of coverage. Find out what they are.

What Does Condo Insurance Not Cover

If you want to be fully covered as a condo owner in NY, you need to know what condo insurance doesn’t include.

How Much Does Condo Insurance Cost

You may be wondering how much condo insurance costs on average. These guidelines will give you an idea.

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New York Condo Insurance FAQs

A standard condo insurance policy from Plymouth Rock keeps you well protected:

  • 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, we’ll arrange for your items to be repaired or replaced. It also 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, condo insurance can help you pay for your defense and court costs. It can also pay for necessary medical expenses for guests who are accidentally injured in your unit.
  • Emergency Living Expenses– If you’re temporarily forced from your condo, we’ll help cover costs such as temporary lodging, meals and other expenses while your condo is being repaired.

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

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