Copeland Insurance


Condo insurance protects your personal property when renting or leasing a condo.

Renting or leasing a condo? Ensure your property is protected with condo insurance.

Understanding Condo Insurance Coverage

Condo Association vs. Personal Coverage

While your condo association’s insurance typically covers shared areas, it may not protect improvements or your personal belongings. Discover how condo insurance bridges this gap.

Protection for Your Personal Belongings

Ensure your appliances, clothes, and more are safeguarded with condo insurance. Learn how this policy covers losses from theft, fire, wind damage, and more, protecting your possessions from unexpected events.

Liability Coverage Explained

Explore the liability coverage included in condo insurance, which can help with medical expenses if a guest is injured in your unit. Understand how this coverage extends to potential lawsuits and additional living expenses during repairs.

If a guest sustains an injury in your condo, you’re liable for their medical expenses. Your condo insurance includes medical expenses coverage, ensuring that their healthcare costs are covered up to a specified limit.

If your condo insurance policy includes coverage for additional living expenses, it may pay for expenses such as hotel bills, temporary rentals, and meals while your condo unit undergoes reconstruction or repairs.

Why Condo Insurance Matters

Navigating the right condo insurance coverage can feel overwhelming, but it’s crucial for protecting your investment. Condo insurance is often affordable compared to the potential expenses of replacing your belongings.

If you reside in a condo, securing condo insurance is essential. Connect with us to discuss how our policy can supplement what your condo association doesn’t cover, ensuring comprehensive protection.

Additional Living Expenses

Risk Factor

Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.


Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Personal and Family Liability

Risk Factor

You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.


Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.

Loss Assessment

Risk Factor

If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.


Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Betterments and Improvements

Risk Factor

Any betterments, improvements, alterations, or additions made to your condominium are subject to damage. However, it’s important to make sure they’re covered appropriately.


Be sure to obtain coverage for any betterments, improvements, alterations, and additions made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.

Physical Damage

Risk Factor

Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.


Be sure your condominium owner, association, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.

Condo insurance safeguards your personal belongings while you rent or lease a condominium.

Find Your Coverage

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