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Allstate® Condo Insurance

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.

Ways Condo Insurance Can Help

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. Most lenders require a condo insurance policy to qualify for a mortgage, and may specifically refer to "walls-in" or HO-6 insurance to cover interior walls and other fixtures within your condo unit. The coverages provided by Allstate's condo insurance policy typically exceed these minimum requirements. It's important to review your policy and bylaws to meet any association or lender insurance requirements and to prevent potential gaps in coverage.

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 real property within your unit that you exclusively own and is your insurance responsibility per your condo association bylaws. Examples of property covered under BPP may include cabinetry, fixed appliances, interior walls and other fixtures. 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.

Get Extra Coverage For Extra-Serious Problems.

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

Discover What An Agent Can Do For You.

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.

Condo Discounts You Won't Want To Miss.

Your agent can help you identify ways to save on your premium, but you can check out what's available here, too. Something as simple as setting up automatic withdrawal can result in a lower payment. No matter how low you monthly premium is, you'll still enjoy high quality condo insurance coverage.

See all condo discounts

Maintenance Advice And More For Your Condo.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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