Fairlawn, OH Office
83 North Miller Road, Suite 201,
Fairlawn, OH 44333
Cranberry Township, PA Office
2009 Mackenzie Way, Suite 260,
Cranberry Township, PA 16066
Columbus Office
3650 Olentangy River Rd
#450 Columbus, OH 43214

Condo insurance protects your personal property when renting or leasing a condo.

If you rent or lease a condo, you need to protect your property with condo insurance.

What does condo insurance cover?

Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Your policy is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

Protecting your personal property in your condo.

Condo insurance covers your personal belongings inside your condo unit. That means everything from your appliances to your clothes may be covered in the event of a loss. Without it, you would have to replace your lost or damaged possessions out-of-pocket. Your policy may also cover damage caused by theft, fire, severe wind, lightning strikes, and frozen pipes. It’s important to note, however, that condo insurance does not usually cover flooding.

Know your liability coverage options when living in a condo.

In addition to property coverage, condo policies may also include liability coverage. For example, if a guest is injured in your condo, it may pay for their medical expenses. It may also cover you in the case of a lawsuit if you are responsible for damages to another condo property. Additional living expenses may also be covered if there is damage to your condo unit that renders it unlivable.

Who is responsible for medical expenses from injuries?

If a guest is injured in your condo, you are responsible. You need medical expenses coverage as part of your condo policy so your insurance would cover their medical expenses, up to a selected limit.

Are additional living expenses covered?

If your condo insurance policy includes additional living expenses coverage, things like hotel bills, temporary rentals, and meals may be covered while your condo unit is being rebuilt or repaired.

The benefits of getting coverage for your condo.

It may seem confusing to figure out exactly what coverage you need for your condo unit. The most important thing to know is that condo insurance is typically inexpensive in comparison to the potential out-of-pocket costs of replacing your personal belongings.

If you are living in a condo unit, you need condo insurance. Contact Us to go over what your condo association doesn’t cover and how your policy may fill in the gaps.

Serving Over 20 States

We are proud to serve clients throughout Ohio, Pennsylvania, Columbus and over 20 other states from our offices in Fairlawn, OH, and Cranberry Township, PA.


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