Condo insurance that reads the master policy first
Every association policy is different. We read yours, find the gaps, and cover the improvements, belongings and assessments that fall to you.
Sample premiums from $32 a month. Sample figures for illustration.
How we approach condo coverage
A condominium association insures the building, but where its coverage stops varies widely. Some master policies cover everything down to the original cabinets; others stop at the studs. Your unit policy, called an HO-6, needs to pick up exactly where theirs ends.
We ask for your association's certificate and bylaws, then set dwelling coverage for your interior finishes and improvements, contents coverage for your belongings, and loss assessment coverage in case the association passes a large deductible or uninsured loss on to owners.
How a quote comes together
Most condo quotes take one conversation and a day or two of comparison.
Master policy review
We read the association's coverage form and deductible.
Gap analysis
We identify what the association leaves to unit owners.
Set the limits
Interior, contents and loss assessment limits are matched to the gaps.
Compare and bind
Several carriers quote the same HO-6 structure for a fair comparison.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Master policy type
Bare walls associations require higher unit dwelling limits.
Association deductible
A $25,000 master deductible calls for more loss assessment coverage.
Floor and building
Upper floors and sprinklered buildings may price differently.
Improvements
Renovated kitchens and baths increase the interior limit you need.
Rental use
Renting your unit short-term changes the policy form.
Why neighbors choose an independent agent
- We read the fine print
- No guessing at where the association's coverage ends.
- Assessment protection
- Limits sized to the deductible your board actually carries.
- Rental unit options
- Coverage for owners who rent their unit seasonally or year-round.
- Easy mortgage proof
- We send evidence of insurance directly to your lender.
Often paired with condo
All coverage
Homeowners
Dwelling, belongings and liability for the house you live in, priced on what it costs to rebuild in Maine.
Sample premiums from $96 a month
Renters
Your belongings and personal liability in an apartment on Munjoy Hill or a rented house in Westbrook.
Sample premiums from $14 a month
Personal umbrella
An extra $1 million or more of liability above your home, auto and boat policies.
Sample premiums from $26 a month for $1M
Condo questions
It pays your share when the association assesses owners for a covered loss, such as a large master policy deductible after a storm.
They help us set accurate limits. Your property manager can usually provide the certificate of insurance and bylaws within a day or two.
Many HO-6 policies exclude business rental activity. We can place a policy designed for rented units.
Compare condo quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.