Coverage tailored for California condo living.
Condo Insurance
Condo living in the Bay Area blends convenience with unique risks — from HOA requirements to rising rebuild costs and complex shared-building responsibilities. We help Albany, Berkeley, Oakland, and San Francisco condo owners choose the right coverage to protect what your HOA’s master policy doesn’t cover.
Protection designed for your unit and belongings.
What’s Included
Every condo association has its own master policy, and no two buildings in the Bay Area are the same. That means your personal condo insurance (HO-6 policy) must be tailored to fill the exact gaps — protecting your belongings, interior features, and liability. We guide you through every detail so you feel confident your home is truly protected.
01
Building Property (Interior Structure)
Covers the parts of your condo not included in the HOA’s master policy — such as interior walls, flooring, cabinetry, fixtures, and improvements. Essential in older Bay Area buildings where master policy variations are common.
02
Personal Property Coverage
Protects your belongings from fire, theft, smoke, vandalism, and certain water damage events. Perfect for safeguarding electronics, furniture, clothing, and valuables in higher-density buildings.
03
Liability Protection
Helps cover injuries that happen inside your unit or damage you accidentally cause to another unit. This is especially important in multi-story buildings where issues can spread quickly.
04
Loss of Use
Pays for temporary housing and living expenses if your condo becomes uninhabitable after a covered loss — a critical benefit given high rental prices across the Bay Area.
05
Loss Assessment
Provides coverage when your HOA issues a special assessment due to a building claim (such as a roof replacement, elevator repair, or shared-area damage). This is one of the most important protections for condo owners in California.
06
Optional Add-Ons
Enhancements like scheduled valuables, water backup, identity theft, and separate earthquake coverage through the CEA — tailored for Bay Area risks.
Peace of Mind with Condo Insurance
Condo living offers convenience, but it also involves shared spaces, HOA rules, and potential building-wide losses. A personal condo policy protects what the master policy doesn’t — your belongings, interior build-out, liability, and temporary housing if something goes wrong. In a region with high construction costs and earthquake exposure, having strong condo insurance helps you rebuild quickly and confidently.