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Condo Insurance

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Real People. Real Results.

"Great experience from start to finish!"
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Shelby Hodges
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Great experience from start to finish!"
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Shelby Hodges
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart

Top Carriers. Great Rates. Quality Coverage.

What does my condo insurance cover?

We're here to help you make the most of your insurance . Worth Was borne out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance of your to do list and say hello to peace of mind.

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Dwelling Coverage

This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage.

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Other Structures

The Other Structures section provides coverage for other items on your property such as fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.

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Personal Property

One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.

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Loss of Use

This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim.

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Liability Coverage

This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools.

Medical Payments

This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.

Frequently Asked Questions

Where does my condo policy begin and end? Find out here.

What is condo insurance?

Condo insurance, or condominium owners insurance, protects you and your unit from financial harm in the event of a covered loss.

Am I required to have condo insurance?

Most states do not require condo insurance but your mortgage lender may require coverage to be maintained. Additionally, your HOA may have coverage requirements as well.

What condo insurance policy discounts exist?

There are a number of discounts potentially available for your condo insurance policy. These include multiple policy discounts, security system discounts, loss-free or claims free discounts, and more. Discounts vary by eligibility and state.

What perils does my condo insurance protect against?

Condominium insurance typically provides coverage in the event of the following perils: fire and lightning, windstorms and hail, theft and vandalism, weight of ice, snow, and sleet. Policies vary. Check your policy to confirm.

What is HOA insurance?

The master policy for a condominium building is commonly referred to as your homeowners association (HOA) insurance. This policy should protect the building structure, common areas, and liability exposures.

How does condo insurance work?

Condo insurance is a promise to pay in the event of a covered loss, up to the coverage limits provided in the policy.

Does condo insurance cover personal injury?

Liability insurance can be a component of your condo insurance policy. This coverage helps protect against bodily injury, medical payments and legal expenses. See policy for coverage limits and exclusions.

How much condo insurance do I need?

Typically, mortgage lenders require around 20% of the appraised value of the property as this policy is a "walls in" policy and the master policy for the building is the primary coverage for the property.

What doesn't condo insurance cover?

Condo insurance doesn't cover everything. Condominium insurance does not provide coverage for flood damage, property of a renting tenant, or a motorized vehicle.

What is the difference between home and condo insurance?

Home insurance covers the exterior of a building, this excludes garages, roof, and exterior walls. A condo insurance policy is known as a "walls in" policy and covers personal property and limited interior elements of the home.