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CONDO Overview

Condo Homeowners Insurance

Your personal possessions turn the space you own into a place that’s uniquely yours. Now consider how much it would cost to replace the belongings you love, not to mention the things you need, if they were damaged, destroyed or stolen. How about if someone was injured on your property and you had to pay their medical bills or defend against an expensive lawsuit?

Without condo unit-owners insurance, you’d pay out of pocket for both of these scenarios.

Why You Need Condo Insurance

Your condo association has its own master policy that covers things like the condo property, common areas, and the exterior of your condo — but you’ll have a number of gaps in coverage if you simply rely on your condo association for protection. Your condo unit-owner policy helps cover what your condo association’s policy doesn’t.

Benefits of Condo Insurance with American Family

An Agent to work Directly with Your Condo Association

Your agent will work directly with your condo association to locate and fill coverage gaps between what the association covers and what your policy should cover. In other words, your condo unit-owner policy helps cover what your condo association's policy doesn't.

Waived Deductibles

If you and your condo association are both insured by American Family and your condo association and your individual unit suffer building damage in the same loss, or there's a loss assessment for insurable damage to association property, we'll waive your deductible.*

How Much Condo Insurance Do You Need?

The amount of condo insurance you need is unique to each customer — that’s why having an American Family agent help you customize your coverage is so important. They’ll help you determine what coverages and coverage limits you need to best protect your property, belongings and family’s financial well-being.

To get things started, you can create a home inventory that details the value of all your belongings.

What Condo Insurance Does Not Cover

There are specific instances you're not covered by your condo insurance. Here are the important things your should understand that are not covered:


If your condo is damaged from a flood, unfortunately none of your belongings will be covered. The good news is, you can purchase a flood insurance policy through the National Flood Insurance Program, which your agent can help you add.

Injuries to You

You also won't be covered if you are injured in your condo — that's what your health insurance is for. The bodily injury protection is specifically for accidental injury to other people.

Exterior Building Damage

Any damage to the outside of your condo isn't covered by your condo insurance unless your condo by-laws specifically require it — that's usually your condo association's responsibility and their insurance should cover it.

What Does Condo Insurance Cost?

The cost of condo insurance varies depending on the value of your personal property and the amount of coverage you need. If you have a number of valuables, like jewelry or fine art, you may want to itemize your property, as mentioned above. Though it costs a little more, you’ll have peace of mind that your important possessions are fully protected from the unexpected.

And, the more additional coverages you have, like umbrella liability insurance, the more you’ll pay, but you’ll also be better protected. Your best bet is to talk with your agent  and work with them to determine exactly the coverages you need to find a price that works for you.

Get Covered With Condo Insurance

Get started with a quote for your condo today.

For all covered real property losses, except if caused by earthquake and volcanic eruption. Real property included built-in components, attached fixtures, alterations, improvement and permanently attached floor coverings.