Condominiums Insurance

Condominiums Insurance

Comprehensive Condominium Coverage

At John H. Connors Insurance, we understand that condo living comes with shared responsibilities and unique coverage needs. Our Condominiums Insurance is designed to protect both individual unit owners and condo associations from risks tied to property damage, personal liability, and shared community assets. Whether you manage a building or own a single unit, we provide clear, tailored protection for every layer of ownership.

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Master Policy Solutions

Covers the building’s structure and shared spaces—like hallways, lobbies, and elevators—protecting the association from large-scale property damage and liability claims.

HO-6 Policies for Unit Owners

Designed to protect what the master policy doesn’t—interior finishes, personal property, and personal liability within your unit. Optional loss assessment coverage is available to help pay your portion of uncovered shared claims.

Directors & Officers Liability for Condo Boards

Protects association board members from personal liability related to decisions made on behalf of the community, including claims of mismanagement or breach of fiduciary duty.

Answers to Your Condominium Insurance Questions

  • Do I need to purchase hurricane insurance for a condominium?

    Yes—in most cases, you should consider it. While your condo association’s master policy may cover exterior damage to the building, it likely doesn’t cover damage inside your unit caused by hurricanes, such as wind-driven rain or broken windows. To fully protect your space, a personal HO-6 condo insurance policy with added hurricane or windstorm coverage is highly recommended. John H. Connors Insurance can help assess your current coverage and provide the right protection to keep your home and belongings safe during storm season.

  • What is a Loss Assessment and how does it affect my policy?

    A Loss Assessment is a fee charged by your condo association to cover shared expenses from a major claim—such as storm damage, liability lawsuits, or repairs to common areas—that exceed the limits of the master insurance policy. These unexpected costs are divided among unit owners. With the right HO-6 condo insurance, you can include Loss Assessment Coverage, which helps pay your portion of these shared expenses. At John H. Connors Insurance, we make sure your policy includes this essential protection, so you're not caught off guard by costly assessments.

  • If I renovate my condo, should I advise my insurance carrier?

    Yes—you should always notify your insurance provider when making renovations. Upgrades like new flooring, kitchen remodels, or bathroom improvements can increase the value of your unit and may not be covered under your existing policy limits. Informing your carrier ensures your HO-6 condo insurance is updated to reflect the enhanced value and improvements. At John H. Connors Insurance, we help you adjust your coverage so your investment is fully protected—before, during, and after the renovation.

Why Do I Need Condo Insurance?

While your condo association’s master policy may cover the building’s exterior and shared common areas, it typically does not protect the interior of your unit or your personal belongings. Condo insurance fills this important gap by providing coverage for interior structures such as walls, flooring, cabinetry, and fixtures within your unit. It also protects your personal property—including furniture, electronics, clothing, and other valuables—against risks like fire or theft. In addition, condo insurance offers liability protection in case someone is injured while in your unit, and covers additional living expenses if your condo becomes uninhabitable due to a covered loss.