Dwelling coverage for condos helps protect the things you’re responsible for in your condo. This includes any alterations or improvements you’ve made, along with your appliances and fixtures. So, if the plumbing in your bathroom leaks and damages your new flooring, dwelling coverage can help cover the repair costs. Keep in mind that most policies do not cover flood or earthquake damage, but you can buy that coverage separately if you need it.
Tip: Be sure to choose the right amount of coverage. You’ll need enough to cover the cost of any part of the structure you’re responsible for. If you’re not sure which parts of your condo you’re responsible for, you should check your property owner’s association agreement.
Condo Insurance for Personal Property
Condo insurance for personal property helps protect your personal belongings, such as your furniture, clothing and appliances, with certain limitations and exclusions. If your condo is struck by lightning, for example, personal property coverage can help cover the cost to replace your damaged items.
Loss of Use Coverage
Loss of use coverage helps pay your living expenses, up to your policy limits, if you can’t live in your condo for some time after a covered loss, like a fire.
Medical Payments Coverage
Medical payments coverage can help pay emergency medical bills if someone gets hurt on your property. It can also help cover any injury that your family member or pet causes, no matter where that injury happens.
If a guest at your house falls down the stairs and breaks their arm, your medical payments coverage can help pay their medical bills whether you’re legally responsible or not.2
Personal Liability Coverage
If someone sues you, personal liability coverage can help cover your legal defense and any court judgments against you.
For example, if a guest in your home sues you because they tripped and broke their ankle, this coverage can help cover legal defense fees.
Condo Flood Insurance
Natural disasters, like a flood, can strike when you least expect it. You don’t need to live close to the coast or a river to experience flood damage. Even low-risk areas can flood from large storms, construction run-offs or bad drainage systems. Our optional
flood insurance policy can help protect your condo and belongings if they’re damaged in a flood.
Umbrella Insurance for Condos
Sometimes, your standard condo insurance coverage isn’t enough.
Umbrella insurance can help protect you and your family from devastating financial problems if the cost of a covered loss is more than the limits on your policy. To buy umbrella coverage, you must also have
auto insurance with The Hartford. (Availability varies by state.)
Optional Types of Condo Insurance Coverages
If you want extra protection for your condo and belongings, we make it easy to add extra coverages to your policy, including:
'New for Old' Coverage
If your possessions are damaged or destroyed, many policies will only pay you what they were worth right before it happened, which can be much less than the cost to replace it. “New for Old” protection, also known as personal property replacement cost, pays the actual cost to replace your possessions with brand new items, no matter how old they were.
Valuable Items Blanket Coverage
If you have valuable items, like art or jewelry, your standard condo insurance may not provide enough protection for them. This coverage can increase your policy’s limit to $10,000 of coverage per valuable item. It also extends your coverage for lost or damaged valuables as well.
Scheduled Personal Property Coverage
If you have expensive or valuable items, your standard condo policy may not fully protect them. This coverage gives you an extra layer of protection for certain items if they’re damaged or destroyed.
