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                  • Home
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                      • Benefits
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                    • Auto Claims
                      • Filing an auto insurance claim
                      • Auto insurance claim process
                      • Repairing Your Car
                      • Total loss car vs. repairable vehicles
                      • What happens after your car is totaled?
                      • How to determine car value
                      • The basics of not-at-fault accidents
                    • Homeowners Claims
                      • Filing a homeowners insurance claim
                      • Home insurance claim guide
                    • Common Claims Questions
                      • What to do after a car accident
                      • How long does an insurance claim take to settle?
                      • What to do if insurance denies claim and more claims tips
                      • I’ve hired an insurance claim attorney - what can I expect?
                      • What is subrogation?
                      • What effect does a not-at-fault accident have on my insurance?
                    • Types of Insurance Claims
                      • Rear-end collisions
                      • Parking lot accidents
                      • Identity theft
                      • Home theft
                      • Water damage
                      • Wind and hail damage
                    • Ways to Report a Claim
                      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
                      File a claim
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                    • Auto
                      • Safe driving tips
                      • Car maintenance
                      • Car buying tips
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                      • Wildfires
                      • Tornadoes
                      • Hurricanes
                      • Earthquakes
                      • Floods
                      • Natural Disasters
                    • Understanding Insurance
                      • Insurance coverage
                      • Insurance Rates
                      • Insurance terms
                    • Florida Hurricane Mitigation Discounts
                    • About
                      • Benefits and Discounts

                        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

                        See benefits and discounts
                      • Customer Testimonials

                        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

                        Hear from our customers
                    • Help
                      • Contact Us
                        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
                        Visit our contact page
                      • General FAQs
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                        See all FAQs
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                                  Affordable Condo Coverage
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                                  4. Condo Coverage
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                                  Coverage for Your Condo

                                  Affordable Condo Insurance, Handled with Care

                                  Do condo owners need their own insurance? Yes, they do! Most insurance policies provided by your condo association only cover shared areas like exterior walls and roof, hallways, sidewalks, etc. You’ll want your own coverage for your individual condo and belongings.

                                  How Condo Insurance Works

                                  Coverage for condos is similar to most homeowners policies, except that your condo association’s master policy typically provides some coverage to the structure and exterior of your home. Condo insurance covers from the walls in — like floors, light fixtures or countertops. Typically, it would cover any renovations you’ve added, like adding an extra bathroom or putting in custom cabinets. And if you’ve made renovations, be sure to account for those when you choose coverage limits. 

                                  Be sure to review your master policy to learn what’s covered there so you don’t have gaps. 

                                  Why You Need Condo Insurance

                                  Here’s an example to help explain why condo insurance is needed. Let’s say a tornado damages your condo complex. The master policy for the association would typically be responsible for making repairs to the roof or siding. But if a damaged roof allowed rain in during the storm, it may have damaged drywall, flooring, and personal belongings within your condo. 

                                  You would be responsible for repairs within your condo and replacing any ruined belongings. You may also have to find another place to live if their current space is uninhabitable. A condo policy could help pay those additional costs. 

                                  An individual condo insurance policy also could help protect you from liability claims if someone were hurt in your home, if your dog bit someone, or if you were sued for libel. Plus, insurance also may be required if you have a mortgage for your condo. 

                                  Get a quote for condo insurance now.

                                  Condo Insurance vs. Homeowners Insurance

                                  Homeowners insurance and condo insurance are similar except that homeowners insurance typically provides coverage for the entire property. This includes dwelling coverage, which covers the home, and its systems, like plumbing, electrical, and heating. It may also include an attached garage or porch. 

                                  Another difference is that homeowners insurance also includes coverage for other structures, like fences or sheds.

                                  Most individual condo policies typically only cover the from the parts that you’re responsible for. Your condo association master policy should cover shared property. Additionally, an individual condo policy typically provides personal property and liability coverage, like a homeowners policy would.

                                  Learn about differences between condo vs. townhome insurance. 

                                  Get Extra Protection with a Personal Property Replacement Cost Endorsement

                                  A base condo policy may provide coverage for personal belongings at actual cash value — depreciation would be taken into account when claims are paid. 

                                  This means that in the event of a covered loss, a claim for your personal belongings would be paid at actual cash value instead of replacement cost and you would likely have higher out-of-pocket expenses. For example, if your living room furniture was several years old at the time of loss, you may not receive enough money from a claim to replace it with new furniture.

                                  A replacement cost endorsement provides coverage to replace items with like kind and quality without a deduction for depreciation. 

                                  You can add other endorsements to your policy to customize your coverage to your needs. Call us for details. 

                                  Other Coverages

                                  Find out more about coverages available for condo policyholders:

                                  Scheduled Personal Property

                                  Earthquake Insurance

                                  Loss of Use Coverage

                                  Medical Payments Coverage

                                    Get an Insurance Quote

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                                    © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

                                    CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

                                    We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.