CONDO & RENTERS INSURANCE
Your space.
Your belongings.
Your next chapter.
Whether you own a condo or rent your home, we’ll help you explore coverage for the things you’ve made your own.
A PLACE TO CALL YOUR OWN.
A LOCAL TEAM TO HELP PROTECT IT.
START WITH HOW YOU LIVE
Do you own or rent?
Both policies can protect belongings and address liability. Condo owners also need to consider their responsibilities for the unit.
I own my condo.
A unit-owner policy, commonly called an HO-6, can address belongings, liability, and the parts of your unit you’re responsible for. The right coverage depends on your association’s documents and master insurance policy.
- Review responsibility for interiors and improvements
- Ask how the master policy and your coverage fit together
- Discuss loss-assessment options and their limits
I rent my home.
A landlord’s policy generally does not cover your personal belongings. Renters insurance can help address your possessions, personal liability, and eligible living expenses after a covered loss.
- Consider the belongings you’d need to replace
- Review any insurance requirements in your lease
- Ask about liability limits and your deductible
A FEW IMPORTANT PIECES
Look beyond the monthly cost.
Understand what each proposal includes, where limits apply, and what you would pay out of pocket.
Your belongings
Explore coverage for furniture, clothing, electronics, and other possessions after a covered loss. Ask about special limits and how items are valued.
Your liability
Discuss protection for certain injuries or damage to others for which you’re legally responsible, subject to the policy.
A temporary place to stay
Ask about eligible additional living expenses if a covered loss makes your home temporarily uninhabitable, including limits and conditions.
These are general summaries. Coverage, eligibility, deductibles, and exclusions vary by policy and state. For more background, see NAIC’s guide to understanding property policies.
LET’S MAKE THE CONVERSATION USEFUL
Bring the details.
We’ll help with the questions.
If you have insurance already, your declarations page is a useful starting point. Tell us about valuable items, renovations, roommates, or any rental or business use so we can discuss how those details affect your options.
Helpful information to have ready
- The property address and how you use it
- A rough valuation of your belongings
- Your current policy, if you have one
- For condo owners: association insurance information
- For renters: any lease insurance requirements
LET’S GET YOUR QUOTE STARTED
Tell us about your space.
Select Condo or Renters in the form below and continue through the questions. Add any other coverage you would like us to compare.
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