What if I don't have all the information to file a claim?

Calling Allstate as soon as possible can help speed up the claim process. Even if you don't have all the information, you can always provide us with additional details later.

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What Does Condo Insurance Cover?

Condo insurance from Allstate includes several standard types of coverage that help protect you, your condo unit and your belongings. You can also buy additional, optional coverage to help further protect what matters most to you.

Condo insurance helps pay for costs resulting from covered perils. Your policy may help pay for expenses caused by:

Theft
Fire and smoke
Vandalism
Sudden and accidental water damage from your plumbing, water heater, heating or air conditioning system, or household appliances.

What You Need To Know About Condo Insurance

Coverage & Policies

Learn about the ways Allstate can help protect condo owners.

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Discounts

Find out how you can save money on condo insurance.

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Claims

Get helpful information about filing a condo insurance claim with Allstate.

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Get a condo insurance quote or discuss your coverage options with a knowledgeable agent.

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How Much Does Condo Insurance from Allstate Cost?

The amount you pay for condo insurance depends on a number of factors, including the types of protection and coverage limits you choose. Your local Allstate agent can help you review your options so you can choose the type and amount of coverage that fits your needs and identify any potential discounts.

How To Compare Condo Insurance Quotes

If you're gathering condo insurance quotes from multiple companies, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.

Choose your coverage

Take a look at the types of coverage included in the standard policy and consider what other optional coverages you want to add.

Consider your limits

When selecting the maximum amount the insurer will pay for a covered claim, consider your personal finances.

Select your deductibles

Some condo insurance coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for every condo insurance quote you request.

Condo And Townhome Insurance FAQs

Is condo insurance required?

Many lenders may require you to purchase a policy from a company that offers condo insurance. This policy is sometimes called "walls-in" coverage or HO-6 insurance. It helps cover the interior walls, fixtures and personal property within your condo. Allstate's condo insurance meets HO-6 requirements.

Doesn't my association's policy cover my condo and belongings?

No. Your condo association's insurance covers parts of the building structure but, generally, doesn't cover your personal belongings like your furniture, clothes and electronics. A condo policy will help you repair or replace your possessions if they're damaged by a covered peril (like theft, fire, smoke and more).

What kinds of things are not covered by condo insurance?

Condo insurance protects an owner from accidental and sudden losses. However, there are some losses that aren't covered.

Appliance breakdowns
Most condominium insurance does not cover basic maintenance repairs. For example, if your water heater cracks, your coverage most likely will not help to replace the water heater. (But it might help pay for the damage to your floors.) That's why it's a good idea to have all your heating, cooling and plumbing systems regularly serviced.
Floods, earthquakes and water backup
Floods, earthquakes and water (sewer) backups are excluded from most condo insurance policies. If you want to purchase additional insurance to cover these events, talk to your Allstate agent or call 1-800-ALLSTATE.
Certain valuables
Most condo insurance policies cover your contents up to a certain value. But some valuables, like expensive jewelry, furs and silverware may require additional protection to cover their full value. Check with your Allstate agent to learn more.

How do I get a condo insurance quote?

An Allstate agent can give you a condo insurance quote. Use this tool to find a local agent or call 1-800-ALLSTATE.

How can I save money on my condo insurance?

Raising your deductible is one way to save money. You may also qualify for a discount if your condo is new or if you've made it safer by installing smoke alarms, fire extinguishers or a security system. Learn more about condo insurance discounts.

What if I don't have all the information to file a condo insurance claim?

You can open a claim even if you don't immediately have all of the information. Beginning your claim as soon as possible can help the process go more quickly. You can file a claim via Allstate's mobile app or by logging into My Account. If necessary, you can provide us with additional details after you begin your claim.

What else can I do to speed up the claims process?

Taking an inventory of your belongings before anything happens can be very useful in verifying what you have and what it's worth. Allstate's Digital Locker tool in the Allstate mobile app can help you keep track of your stuff.

Related Resources

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Exclusions may apply. Discount amounts and total savings will vary. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Vehicle and Property Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Company, Bridgewater, NJ. Castle Key Indemnity Company, St. Petersburg, FL. © 2020 Allstate Insurance Company, Northbrook, IL.

Condo Insurance Quote

What Does Condo Insurance Cover?