Condo Insurance

Condo Insurance

Owning a condo offers the perfect balance of homeownership and convenience, but it also comes with unique risks that require specialized coverage. At O'Grady Insurance, we understand the specific needs of condo owners, and we offer tailored condo insurance policies to protect your unit, your belongings, and your peace of mind. Whether you’re a full-time resident or a part-time dweller, our comprehensive coverage ensures that your condo and everything inside it are well-protected.

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What we offer

Building Property Protection

While your condo association's master policy may cover the building's exterior and common areas, it often doesn’t extend to the interior of your unit. Our condo insurance includes building property protection, which covers the interior structure of your unit, including walls, floors, and any improvements or upgrades you’ve made. This ensures that your investment is protected from damage caused by fire, water leaks, and other covered perils.

With Liability

  • Protects against financial loss if you’re at fault in an accident
  • Covers bodily injury and property damage to others
  • Offers generous limits for comprehensive protection
What we offer

Personal Property Coverage

Your condo is filled with personal belongings that make it a home—furniture, electronics, clothing, and more. Our personal property coverage protects these items against theft, fire, vandalism, and other risks. Whether your belongings are inside your condo or with you on the go, we ensure they’re covered, giving you peace of mind wherever life takes you.

Liability Protection

Accidents can happen, and if someone is injured in your condo or if you accidentally cause damage to another unit, you could be held responsible. Our liability protection covers medical expenses, legal fees, and repair costs, ensuring that you’re financially protected against unexpected incidents. This coverage is essential for safeguarding your assets and avoiding costly out-of-pocket expenses.

What we offer

Loss of Use Coverage

If your condo becomes uninhabitable due to a covered event, our loss of use coverage will help cover the costs of temporary living arrangements, such as hotel stays or rental accommodations. This coverage ensures that your standard of living is maintained even in the event of a disaster, so you can focus on getting back on your feet without worrying about additional expenses.

Additional Benefits

Loss Assessment Coverage

In some cases, your condo association may levy a special assessment to cover losses or damages to common areas that exceed the master policy’s limits. Loss assessment coverage helps pay your share of these assessments, protecting you from unexpected costs that can arise from damage to shared spaces like lobbies, pools, or hallways.

Water Backup Coverage

Water damage from backed-up drains or sump pumps can be costly and stressful. Our water backup coverage provides protection against this type of damage, covering the cost of repairs and cleanup, so you can rest easy knowing that your condo is protected from one of the most common and damaging household issues.

Customizable Policy Options

Every condo and every condo owner is different. That’s why we offer customizable policy options that allow you to tailor your coverage to fit your specific needs. Whether you need additional protection for valuable items or want to enhance your liability limits, our agents will work with you to create a policy that gives you the protection and peace of mind you deserve.

For Condo

Frequently Asked Questions

  • What does condo insurance cover?

    Condo insurance typically covers the interior structure of your unit, your personal belongings, liability protection, and additional living expenses if your unit becomes uninhabitable due to a covered event.

  • Is condo insurance mandatory?

    While not legally required, many condo associations require owners to have condo insurance as part of their agreement. Additionally, having condo insurance is highly recommended to protect your investment and personal assets.

  • What is loss assessment coverage, and do I need it?

    Loss assessment coverage helps pay your share of special assessments levied by your condo association for damage to common areas. It’s recommended for all condo owners to protect against unexpected costs that arise from damage to shared spaces.

  • Does my condo insurance cover water damage?

    Standard condo insurance policies typically cover water damage from burst pipes or accidental overflows. However, damage from water backups or flooding often requires additional coverage, which we can include in your policy.

  • Can I customize my condo insurance policy?

    Yes, you can customize your condo insurance policy to fit your specific needs. Whether you need additional protection for valuables or higher liability limits, we offer flexible options to ensure you’re fully covered.
Why choose us for your Condo Insurance?

Specialized Coverage for Condo Owners

Condo living comes with its own set of unique risks and responsibilities. At O'Grady Insurance, we specialize in providing insurance solutions tailored specifically to condo owners. Our policies are designed to complement your condo association’s master policy, ensuring that you’re fully protected where the master policy leaves off.

Competitive Rates

We understand that cost is an important factor when choosing insurance. That’s why we work with top-rated insurance providers to offer competitive rates that fit your budget. With O'Grady Insurance, you get the coverage you need at a price you can afford.

Exceptional Customer Service

Our team of experienced agents is dedicated to providing exceptional customer service. We take the time to understand your needs, answer your questions, and guide you through the process of selecting the right condo insurance policy. Your satisfaction and peace of mind are our top priorities.

Trusted Experience

With over 45 years of experience in the insurance industry, O'Grady Insurance has built a reputation for reliability and trust. Our long-standing relationships with our clients and our commitment to excellence ensure that when you choose us, you’re choosing a partner dedicated to protecting your home and lifestyle.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For homeowners

Comprehensive Homeowners' Insurance

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

Home Insurance
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