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Venice Mundle-Harvey Insurance Agency
Condominium insurance coverage
Condo Insurance

Coverage that starts where your association's ends

Protect everything inside your walls

Your condo association's master policy covers the building's structure and the shared spaces — but usually stops at your unit's walls. Everything inside is on you.

A condominium (HO-6) policy covers your personal belongings, the interior finishes and upgrades you've added, your personal liability, and the special assessments your association can pass along to owners after a major loss. We'll help you match your coverage to exactly what your master policy leaves out.

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Condominium interior

Fill the gaps your master policy leaves

No two condo associations draw the line in the same place. We review your association's master policy with you so your coverage picks up right where theirs stops — no overlap, no exposure.

What We Cover

  • Interior Walls & Fixtures
  • Personal Belongings
  • Personal Liability
  • Loss Assessment Coverage
  • Additional Living Expenses
FAQ

Frequently Asked Questions

Doesn't my condo association's insurance already cover me?
Only partly. The association's master policy covers the building's structure and common areas, but typically not what's inside your unit — your belongings, interior walls, flooring, cabinets, and upgrades. A condo (HO-6) policy covers those, plus your personal liability.
What is loss assessment coverage?
When a major loss hits the shared parts of your building and exceeds the association's master policy, the association can bill each owner for a share of the shortfall — a special assessment. Loss assessment coverage on your condo policy helps pay your portion, which can run into thousands of dollars.
How much condo insurance do I need?
Enough to replace your belongings and rebuild the interior of your unit to its current finish, plus liability limits that match your assets. We walk through your association's master policy with you so your coverage lines up with exactly what it doesn't cover.
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Tell us about you — we'll take it from there.

Protecting condo owners across Montgomery County

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