If you own a condominium, your condo association probably has a master policy that insures all the property and common areas that are collectively owned by the unit owners. These policies usually cover the actual structure of your home, so you don't need to purchase this coverage separately.

However, a condo association policy doesn't cover your personal property or your legal responsibility and may not cover improvements or custom work on your unit.
Our condominium programs are designed to protect your prized possessions, protect you against any personal liability, and provide assistance should your home become damaged or unlivable.

Additional coverages are available for property such as personal computer equipment, business property, jewelry, bicycles, cameras, etc.

• Your personal property up to the limits you choose to purchase.
• Your primary dwelling (replacement cost value of your residential unit and certain permanent attachments) up to $5,000 or 10%* of your personal property limit, depending on the state you live in. 
• Coverage for loss of use (reimbursing you for expenses for loss of use of your home caused by named perils up to 40%* of your personal property limit with no time limit).
• Medical expenses (paying up to $1,000* per person if someone is injured on your property).

• Liability exposures (protecting you against certain risks up to $100,000* per accident for bodily injury or property damage).
• Expense of loss assessment by the association against the unit-owners, up to $1,500*.
• Protection from damages resulting from freezing of plumbing, vandalism, and other causes.
• Other dangers, including damage or loss due to vandalism, malicious mischief, glass breakage and more.