Coverage
Condo Insurance
The master policy covers the building. Everything inside your unit is yours to insure, and the association documents show where that line falls. We read both with you before you buy.
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What condo insurance covers
Walls-in coverage
Interior surfaces, fixtures, cabinetry, and flooring. Your association documents set where that line falls, and it moves from building to building.
Personal property
Furniture, electronics, and everything else inside the unit, covered against theft, fire, and the other named perils on the form. Jewelry and silver carry their own sublimits, which is where owners get caught at claim time.
Loss assessment
Your share of a special assessment after a covered loss to shared property. The standard unit owner form, an HO-6, builds in about $1,000. Higher limits are commonly available, and on a coastal building they are worth asking about.
Liability coverage
Legal and medical costs if someone is hurt inside your unit and you are found responsible. The association carries its own liability coverage, and it stops at your door.
Loss of use
Somewhere to stay while a covered loss keeps you out of the unit, plus the extra cost of living elsewhere. On a rented unit, this pays lost rental income.
Flood
Master policies exclude flood, and the unit owner form does too unless flood is added to it. On a ground-floor or oceanfront unit, that is a gap worth pricing.
Wind and hail
Coastal condo forms often exclude wind. We confirm whether the association, your policy, or the North Carolina Insurance Underwriting Association covers it before we bind.
Unit improvements
If you have redone the kitchen or replaced the flooring since closing, that work is yours to insure. Base limits assume the unit as the builder left it, so improvements are easy to underinsure.
Who it’s for
Who needs a condo policy
Oceanfront and soundfront owners
Master policy deductibles in these buildings are often a percentage of the building’s insured value rather than a flat dollar amount, and your share follows that math.
Ground-floor owners
Flood exposure is real at that elevation, and it is the coverage most often missing when we review a policy somebody already has.
Rental investors
Weekly and seasonal rentals need rental income coverage and landlord liability, which a standard unit owner form does not carry.
Buyers mid-closing
Your lender wants written proof of unit coverage before the deal funds, usually sooner in the process than buyers expect.
Our process
How we quote a coastal condo
Send the address and the documents
The bylaws are the piece that matters most. They tell us where the master policy stops, which sets what your own policy has to pick up. If you cannot put your hands on them, your property manager can.
We shop the coastal condo market
We quote the unit with carriers that write coastal condominiums. That is a smaller field than it is for single-family homes, so shopping it matters.
We put the line in writing
You get a written summary showing where the master policy ends and your unit owner policy begins, so the line is not left to somebody’s memory of a board meeting.
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Common questions
Condo insurance questions we hear
Walls-in coverage insures the interior of your unit, from the drywall inward on most forms, along with fixtures and finishes. The exact line comes from your association documents, which is why we ask to read them.
Loss assessment coverage pays your share of a loss to shared property that the master policy does not fully cover. Most policies include roughly $1,000 of it by default, and a hurricane claim against a building can produce assessments far larger than that.
Often, yes. Coastal master policies frequently carry percentage deductibles, and the association can pass a share of that straight through to individual unit owners. It is worth checking before storm season.
No. Master policies exclude flood, and your unit policy does too unless flood coverage is added to it. Ground-floor and oceanfront units are where that gap does the most damage.
It depends on the building. Wind may be covered under the association’s master policy, under your own policy, or near the coast through the state pool. All three arrangements exist in this market, so we confirm which one applies before we bind.
Yes, though the policy form changes. A rented unit needs rental income coverage and landlord liability, and your association may have its own rules about short-term rentals.
Get started
Quote my condo
Send the address and the association documents, and a licensed agent follows up the same business day with quotes that fit the building.