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Condo insurance protects what your association won’t

Condo associations have master insurance policies that only cover the things they’re responsible for, such as their property, common areas, and the outside/physical structure of your condo. In most cases, your personal property isn’t covered by the association’s insurance policy.

Condo insurance (or condominium insurance) not only covers your belongings, but also any upgrades you make to your unit (new granite countertops, etc.), injuries at your place, certain lawsuits against you, and more. Without condo insurance, you'd have no coverage for these things.

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Ways to save

Save more on your condo insurance policy

Bundle condo & auto insurance

Save another 10% or more when you combine condo with auto.Δ Your discount will be applied to your auto policy.

See more on bundling insurance

Pay in full

This is an easy discount. Just pay for your condo policy in full and upfront and you'll save.

Alarm systems and safety devices

We offer extra discounts for having burglar alarms, fire alarms, automatic sprinklers, and more.

New condo purchase

You could get extra discounts if you're purchasing a new condo (doesn't have to be newly built) or if you're switching from a renters to a condo policy.

We have a network of condo insurance companies we work with and can connect you with. This network can offer you more price and coverage choices when you get your condo insurance quote. The availability and how much each discount is worth can vary by company and your state.

Condo insurance coverages that protect what's yours

Standard Coverages

Personal property

Upgrades and customizations

Loss of use


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When you should consider condo insurance

Condo insurance is for you if you own a condominium, townhome, row home, or other unit that has an association. It's similar to homeowners, but often more affordable because it excludes coverages your association is responsible for. If you rent a condo, you'd instead need renters insurance—or homeowners insurance if you own a home. Not sure? Just get a condo insurance quote. We'll ask the right questions.

If you have a mortgage, your lender will likely require condo insurance. We'll help coordinate the details with your lender. Plus, you'll usually be able to combine your insurance payments in your monthly mortgage bill (called escrow).

More questions about condo insurance? We have Answers

Want to do a little more research before buying a policy? Progressive Answers has the information you need to get the right coverage for your home.

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Get a condo insurance quote online or call for advice

Get a quoteOr, call 1-855-347-3939