Quality Protection For Your Place.
You may not need to mow the lawn or shovel the walkway, but it's still important to protect your condo or townhouse with insurance. Get dependable coverage for your belongings and yourself with Allstate condo insurance. Once you know what your condo association covers and requires, a local agent can help guide you through the rest.
While a condo association is typically responsible for maintaining and insuring the building's exterior and shared spaces, such as hallways and common rooms, condo insurance is designed to help you protect your unit and personal belongings. Many lenders may require you to have a condo insurance policy, often called "walls-in" coverage or HO-6 insurance, that covers the interior walls, fixtures and personal property within your condo. Allstate's condo insurance meets HO-6 requirements. Some of the coverages provided by condo insurance include:
- Personal Property Coverage may help pay to repair or replace your personal items, such as electronics, appliances, clothes and furniture, if they are stolen or damaged by a covered peril.
- Building Property Protection provides protection for property in your unit that you exclusively own, which may include cabinetry, fixed appliances, interior walls and other fixtures. The included items are typically named in the condo association's bylaws. If your unit is damaged in a fire, for example, this coverage may help with the costs of repairing or replacing built-in bookcases.
- Liability Coverage may help with related costs if you are liable for injury to another person or damage to their property. For example, if a visitor trips on a rug in your condo and breaks his ankle, this coverage may help with the related medical bills or legal costs if you are sued as a result of the accident. Your liability coverage may also help with the costs of repairs if your child accidentally breaks a neighbor's window.
Learn more about what condo insurance covers.
In addition to your condo insurance policy, there are a few other policies you may want to consider to help protect against bigger issues you could face. Talk to an agent about protecting your belongings against flooding and keeping your assets safe if you're hit with a hefty lawsuit.
Learn how flood insurance can help
Check out personal umbrella insurance
Insurance for your townhome or condo can be tricky to navigate since condo associations vary so much. With an Allstate policy, you get a dedicated, local agent who can help you make informed choices along the way. Your agent can help you:
- Understand what your policy covers and answer your questions
- Find discounts to save you money on your premium
- Get answers about the claims process, before or after you file one
- Explore practical tools and maintenance tips for your condo or townhouse
Find an agent to get a personalized insurance proposal and then take a look at Allstate agents in action.
