Beyond Your Association's Master Policy
Coverage for condo owners.
Your condo or homeowners association (HOA) carries a master policy that insures the building structure and common areas. However, this coverage stops at your unit's interior walls, leaving your personal belongings and interior finishes unprotected.
Condo insurance fills this critical gap, ensuring you have comprehensive coverage for your unique living situation.
Coverage where it matters most
Key coverage areas.
Dwelling Coverage
Protects the interior of your unit, including walls, floors, fixtures, and built-in appliances. Covers repair or replacement if damage occurs from covered perils like fire, theft, or water leaks.
Personal Property
Safeguards your furniture, electronics, clothing, and other belongings from theft, vandalism, and catastrophic events. Coverage extends beyond your unit, protecting items stored in your car or taken with you while traveling.
Liability Protection
Shields you from financial liability if someone is injured in your unit or you accidentally damage another person's property. Includes legal defense costs and settlement payments.
Loss Assessment
Reimburses your share of special assessments levied by your HOA to cover damage to common areas not fully covered by the master policy.
Additional Living Expenses
Provides reimbursement for temporary housing, meals, and other necessary costs if a covered event makes your unit uninhabitable during repairs.
Tailored to your unique needs.
Customized condo insurance coverage.
Our condo insurance policies can be customized with higher personal property limits, coverage for expensive jewelry or art, and other endorsements to ensure you have the protection you require.
We also offer umbrella liability insurance for an extra layer of financial security.
Specialized expertise for condo owners
The Graybeal difference.
Our team understands the nuances of condo and townhome insurance. We'll review your association's master policy, identify potential coverage gaps, and recommend the right protection for your investment and lifestyle.
From first-time buyers to seasoned condo owners, we're here to provide personalized guidance and ensure you have the coverage you need.
Ready to protect your condo or townhome? Contact Graybeal Group today for a customized insurance quote.
Our recent news
Latest news & articles.
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USDA Announces Livestock Insurance Program Enhancements for 2027
The USDA’s Risk Management Agency just announced a meaningful set of updates to three of its core livestock insurance programs — Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and Dairy Revenue Protection (DRP) — set to take effect for the 2027 crop year. For ranchers and livestock producers, this…
