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Specialized interior walls-in protection synced to cover your personal assets and HOA gaps. Without overlapping.

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What’s covered by HOA & what’s not

  • The Structure & Shell: The concrete foundation, framing, exterior siding, shared roofs, and structural perimeter walls.

    Common Areas: Hallways, elevators, lobbies, stairwells, clubhouses, community pools, and shared parking structures.

    Shared Utilities: Main water lines, HVAC systems servicing common areas, and primary electrical vaults before they enter your unit.

    General Liability: Slip-and-fall injuries that happen in shared community spaces, like an icy sidewalk outside the lobby or a wet tile floor in the fitness center.

  • Everything Inside the Drywall: Your interior walls, flooring (hardwood, carpet, tile), paint, wallpaper, and custom trim.

    Fixtures & Finishes: Kitchen cabinets, granite countertops, bathroom sinks, bathtubs, plumbing fixtures, and lighting.

    Your Personal Possessions: Electronics, clothing, furniture, appliances, jewelry, and everything else you brought into the unit.

    Unit-Level Liability: Injuries that occur inside your private front door (e.g., a guest burns themselves on your stove) or damage you cause to others (e.g., your toilet overflows and ruins the ceiling of the unit downstairs).

    Loss Assessments: Billed financial shortfalls passed down by the HOA if a shared insurance claim exceeds the master policy's limits.

Understanding Your Condo Coverages

Condo insurance is unique; it bridges the gap where your HOA master policy ends. Explore the core protections built to secure your personal space, your assets, and your peace of mind.

  • Interior (Dwelling)

    What it is: Covers physical damage to the structural elements inside your unit such as; flooring, drywall, custom cabinetry, countertops, light fixtures and more

    Why you need it: Your HOA policy generally only covers the bare concrete structure. If a fire damages your high-end kitchen remodel or custom hardwood floors, you are completely on the hook to rebuild it without dedicated interior dwelling coverage.

  • Premises Liability

    What it is: Covers legal defense fees, settlements, and medical bills if a guest is injured inside your unit, or if you accidentally cause damage to neighboring units.

    Why you need it: If your washing machine water line bursts and floods the two units directly beneath yours, you are personally liable for their repair bills. This protects your savings from costly property damage and personal injury lawsuits.

  • Personal Property

    What it is: Pays to replace your personal belongings including clothing, furniture, electronics, jewelry, and kitchenware if they are stolen or destroyed in a covered event.

    Why you need it: If your unit suffers severe smoke or water damage, replacing everything you own all at once costs a fortune. This ensures you can fully reboot your lifestyle without draining your bank account.

  • Loss Assesment

    What it is: Pays your portion of a shared financial assessment billed by the HOA to all unit owners after a catastrophic loss or lawsuit in a common area.

    Why you need it: If a major fire wrecks the community clubhouse or a massive injury lawsuit drains the HOA’s shared reserves, the association can legally bill every single owner thousands of dollars to cover the shortfall. This card shields you from those sudden, unexpected HOA assessments.

  • Additional Living Exspense

    What it is: Covers hotel stays, restaurant meals, and temporary relocation costs if your condo is rendered completely unlivable due to a covered disaster like a fire or major leak.

    Why you need it: If a disaster forces you out of your home, your monthly mortgage payment doesn't disappear. This coverage ensures you aren’t paying a mortgage and a massive out-of-pocket hotel bill at the exact same time.

  • Water Backup & Sump Dishcharge

    What it is: Covers physical damage to your unit and personal belongings if water backs up through your drains, sewers, or a failed building sump pump.

    Why you need it:Standard condo policies completely exclude water backup. In multi-unit buildings, main line clogs can send sewer line backup straight into your tubs, toilets, and custom floors. Adding this specific protection saves you from an incredibly messy, multi-thousand-dollar repair bill.

When Standard Coverage May Not Be Enough

  • FLOOD INSURANCE

    Standard home policies don’t cover rising water. Whether it’s a sudden flash flood, overflowing local waterways, or severe storm runoff, dedicated flood protection safeguards your structural framework and personal property from devastating water damage.

  • EARTHQUAKE COVERAGE

    Ground shifting is explicitly excluded from standard insurance. Protect your home investment against tectonic movement, tremors, and seismic shifting. This essential coverage ensures you have the massive funding needed to rebuild if the ground moves.

Bundle & Save

We’ll help make sure your coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • RELIABLE SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • NO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

Commonly Asked Condo Questions

  • Yes. Your HOA master policy only covers the building's exterior shell and common areas. It stops completely at your drywall. You need a personal condo policy (HO-6) to protect everything inside your unit, including your flooring, cabinetry, personal belongings, and personal liability.

  • It is the commercial insurance policy purchased by the homeowner’s association to cover the shared infrastructure of the community. It protects the physical buildings, roofs, walkways, elevators, lobbies, and shared amenities against damage or liability claims.

  • You can find this by requesting the "COI" (Certificate of Insurance) and the governing CC&Rs from your HOA board. These documents state whether the association uses a "Bare Walls" policy (covers nothing inside your unit) or an "All-In" policy (covers original fixtures but excludes your personal upgrades).

  • Yes, under your Liability coverage. If a pipe bursts or a washing machine hose fails inside your unit and water leaks through the floor, ruining the ceiling of the condo below you, your personal liability protection steps in to pay for their property repairs.

  • Yes, under your Interior (Dwelling) coverage. If you upgrade your unit with high-end hardwood floors, custom quartz countertops, or premium cabinets, your HOA master policy will not cover those added values. Your personal policy handles the full cost of replacing your custom renovations.

  • Yes. If a massive disaster or injury lawsuit hits the community and the total damage exceeds the limits of the HOA's master policy, the association can legally bill every single unit owner to pay for the financial shortfall. Adding Loss Assessment coverage to your personal policy shields you from paying these sudden bills out of pocket.

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