What Does Condo Insurance Cover?
From your walls to what makes it home—explore the coverage your condo insurance policy can include.
Unit Interior Coverage
Helps protect covered interior features, fixtures, and improvements that are your responsibility.
Personal Property
Helps cover furniture, electronics, clothing, and other belongings against covered losses.
Personal Liability
Helps protect you financially if you’re legally responsible for someone’s injury or property damage.
Guest Medical Payments
May help pay minor medical expenses if a guest is accidentally injured at your condo.
Loss of Use
Helps cover additional living expenses if a covered loss makes your condo temporarily uninhabitable.
Optional Water Backup
May provide coverage for certain damage caused by water backing up through drains or sewers.
Your condo is unique—your coverage should be too. Let’s find the protection that fits your needs.
Why Choose Cherries Insurance for Your Condo?
Condo coverage should be simple, clear, and built around what matters to you.
Coverage That Fits
We help you explore coverage options based on your condo, belongings, and insurance needs.
Understand Your Protection
We help you understand the difference between your condo insurance and your association’s master policy.
Simple Online Experience
Request your condo insurance quote online, without unnecessary calls or paperwork.
Privacy Comes First
Your information is handled with care, without unwanted sales calls or pressure.
Condo Insurance FAQs
Understanding what your condo association covers—and where your own insurance comes in—can help you avoid unexpected gaps in protection.
What is condo insurance?
Condo insurance (HO-6) helps protect your personal belongings, personal liability, and certain parts of your unit against covered losses. It works alongside your condominium association’s master insurance policy.
Does my condo association’s insurance cover my unit?
Your association’s master policy generally covers certain shared structures and common areas. Depending on its terms, it may also cover portions of individual units. Your own condo policy can help address coverage gaps, including personal belongings and liability.
Is condo insurance required?
Condo insurance requirements vary by state, mortgage lender, and condominium association. Even when an individual policy isn’t legally required, your lender or association may require coverage.
How much condo insurance do I need?
The appropriate amount depends on your unit’s interior coverage responsibilities, the value of your belongings, potential liability exposure, and your association’s master policy. Reviewing those factors helps determine suitable limits.