Condo Insurance

Los Angeles, CA

Protect Your Condo and Belongings with Our Affordable, Customized Coverage

Owning a condo can be an excellent alternative to owning a stand-alone house or renting an apartment. However, condos generally come with unique insurance needs. At United Direct Insurance Services, our condominium insurance experts will help you find a cost-effective and customized condo insurance policy, that will adequately protect your condo unit and its belongings.

Ideal Business Owners Insurance Policy

Because Your Condo Needs More Than a Master Policy

Condo insurance coverage can be invaluable as an owner, if you incur unexpected expenses. The insurance coverage provided by condo associations – also referred to as a syndicate of co-owners, condo corporations, or strata corporations – typically covers the main structure of your unit and the common areas, but there are certain items it does not cover.

For instance, the association's master insurance policy does not cover unit improvements, personal belongings, and loss assessments. However, you can still protect the important items in your unit with condo insurance.

Our team of expert professionals can help you find a policy that fills these insurance gaps. We will help you determine the ideal limit for your personal property and the perfect coverage amount for your unit. Having a policy that fills the insurance gaps left by the condo association's coverage, not only protects the belongings within your condo unit but covers personal liability as well.

Protect Your Condo and Belongings with Our Affordable, Customized Coverage

Ideal Business Owners Insurance Policy

Personal Property

Condo insurance can cover your personal property. This includes items such as:

  • Furniture
  • Clothing
  • Jewelry
  • Electronics, etc
Ideal Business Owners Insurance Policy

Unit Coverage

The outside structure of a condo is typically covered by the associations master policy. Conversely, you are responsible for what’s within your unit. This can include upgrades, alterations, and additions to the following:

  • Interior walls
  • Cabinets
  • Flooring
Ideal Business Owners Insurance Policy

Personal Liability

Condo insurance includes personal liability coverage, which may cover property damage or bodily injury caused by you or a member of your household. Personal liability coverage also covers medical costs for guests who are injured while in your home. Your state's laws, as well as your condominium associations articles, determine what is precisely covered by your associations insurance policy.

Most policies cover losses emanating from:

  • Fire or lightning
  • Theft
  • Malicious mischief or vandalism
  • Smoke
  • Windstorm
  • Accidental water damage

Why Choose Us?

As a condo owner, you have different insurance needs than a typical homeowner. At United Direct Insurance Services, we can help you find a customized and cost-effective insurance policy that adequately protects your condo and your belongings. To get started, contact us today.

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