Condo Insurance in California
Your HOA's master policy covers the building and common areas. Condo insurance covers your unit and what's in it.
- Carrier partners
- 35+
- On the phone and at the counter
- English & Español
What it covers
- Inside your unitInterior walls, floors, fixtures and upgrades — whatever the HOA policy leaves to you.
- Your belongings and liabilityYour things, and injury or damage you're responsible for.
- Loss assessmentHelp paying your share if the HOA bills owners after a covered loss.
Questions we get asked
What does my HOA's policy cover?
It depends on your association's master policy. We read what it leaves to you before we quote.
Do I need condo insurance if I have a mortgage?
Lenders usually require it. Even without one, the HOA policy won't cover your belongings.