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inside and out


What is condo insurance?

A condo insurance policy covers any damages to your unit’s structure and your personal belongings caused by certain perils, such as fire or vandalism. You don’t have to own a house to protect the things you love – your condo is your home, and it deserves to be treated like one.

What does condo insurance cover?

When it comes to Allstate® condo insurance, you have your pick of several standard types of coverage that help protect you, your condo unit and your belongings. And if you want even more protection, you can buy additional, optional coverage.

Condo insurance helps pay for costs resulting from covered perils, which include:

  • 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 how Allstate helps protect condo owners.
  • Discounts

    Find out how you can save money on condo insurance.
  • Claims

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

start protecting your condo today

Get a fast and easy quote online today and see how easy it is to protect what matters most.

Why do you need condo insurance?

You might think your association’s insurance covers your condo and belongings, but unfortunately, that’s not always the case. While the association's insurance does cover parts of the building’s structure, it generally doesn't include your personal belongings like furniture, clothes and electronics. But a condo policy will help you repair or replace those belongings if they're damaged by a covered peril, such as theft, fire, smoke and more.

Additionally, many lenders require you to purchase “walls-in” coverage to protect the inside of your unit and your belongings (typically written as an HO-6 form).

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. Tailor your policy to meet your needs – and suit your budget – when you get your quick and easy quote online.

How to compare condo insurance quotes

When gathering condo insurance quotes from multiple companies, you should remember to choose the same coverages, limits and deductibles for each quote to 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

    Be sure to think about your personal finances when selecting a limit, which is the maximum amount the insurer will pay for a covered claim.
  • Select your deductibles

    Some condo insurance coverages come with a deductible, which is the amount you'll pay out of pocket toward a claim. When choosing your deductible, be sure to think about how much you could comfortably afford to pay in the event of a claim.

Condo and townhome insurance FAQs