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Condo Insurance

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Illustration of a condo building.Florida Home Insurance Carrier Carousel

Real People. Real Results.

I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"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
"Great experience from start to finish!"
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Shelby Hodges
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"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
"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
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"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
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"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
"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
"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
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"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
"Alex Lopez was great! Very responsive and will work his tail off for you."
-
scott cordella
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
-
Karen Tronolone
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
-
Jon-Erik Frederickson
"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
"Great experience from start to finish!"
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Shelby Hodges

Top Carriers. Great Rates. Quality Coverage.

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 does boat insurance cost?

On average you can expect your boat insurance to cost $200-$500 every year. However, if you own a big boat (like yacht or sailboat), the boat insurance can cost between 1-5% of boat's value.

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.