Condo insurance quotes
Affordable condo insurance, customized for you.
Your condo is a big investment that's worth protecting. We know the things in your home are more than just stuff and we can help you protect it with a condo insurance policy.
Also known as an HO6 policy, condo insurance is like homeowners insurance for your condo. Start your free condo insurance quote today and see how much you can save with Liberty Mutual!
You can save when you only pay for what you need.
We'll help you find the condo insurance discounts you qualify for.
Helping insure the things you love for over 100 years!
Save money with these condo insurance discounts
Installing protective devices in your home could save you money.2
Convenience and savings — need we say more? Combine your auto and condo policies and get a discount.
See our bundling savings optionsSave on your premium if your condo remains claim-free for 3 years.3
Bundle your insurance,
more like bundle of savings!
Because every policy is different, the exact savings you get from bundling your condo and auto insurance policies is unique to you.
We also make it fast and easy for you to get a quote. Check out why people have trusted us with their insurance needs for over 100 years!
Customized condo insurance
coverage built for you
Personal Property coverage
Liability coverage
Other coverages
Why choose Liberty Mutual for
condo insurance?
Savings? We've got those too! At Liberty Mutual, you can get condo insurance for less than $2 a day.1
Start your quote today, to see how much you could save on condo insurance when you only pay for what you need.
Get the Liberty Mutual app today!
The fastest, easiest way to manage your insurance.
Access your ID cards5
Save your ID cards to your device so you have them where you need them, when you need them.
Pay and manage bills
Pay your bills, enroll in Autopay, and update billing preferences in a few easy taps.
File and track claims
From filing a claim in minutes to tracking your claim in the app, we're here when you need us.
Condo insurance frequently asked questions
Condo insurance helps protect your belongings like clothes, furniture, and electronics. In general, condo insurance can help pay for damages and/or losses due to things like
- Fire
- Theft
- Severe weather
- Injuries due to an accident on your property
Start your condo insurance quote to see how much you could save!
You can get condo insurance for as little as $40 a month!1 Like other insurance, the cost of your condo insurance depends on things like your
- Location
- Deductible
- Coverages you need
The good news is condo insurance is typically less expensive than homeowners insurance. When you own a house, you're responsible for the entire structure, inside and outside. With condo insurance, you're usually paying just to protect the inside of your unit which can make it cheaper.
Getting a condo insurance quote is easy with Liberty Mutual. All you need is
- Basic information about yourself
- Basic information about your condo
- An estimate of how much your belongings are worth
- Any additional people such as a roommate or spouse you want on your policy
- Your belongings
- Property Damage
- Damage to someone else's property
- Personal liability if there are medical bills and legal expenses if someone is hurt at your home
- Living expenses incurred if you temporarily vacate your condo as a result of a covered loss
In general, coverage depends on how much stuff you need to protect. To get started, inventory your belongings. Include your clothes, electronics, furniture, kitchenware, jewelry, and other items you own. This will help you think about how much protection you need.
While coverage will ultimately depend on how much stuff you need to protect, coverage of $15,000 for personal belongings and up to $100,000 in liability coverage, with the option to add on additional coverages, is often sufficient.
Please note, Liability coverage comes standard with a Liberty Mutual condo policy. This condominium insurance coverage means you're protected if you, your family member, or your pet injures someone or damages their property.
Another thing to consider adding is No-fault Medical coverage. This means your insurance company can help pay for someone's medical bills if they're injured in your home.
Liberty Mutual customizes your coverage so you only pay for what you need.
Yes! Condo insurance helps cover your personal property no matter where you are. Condo insurance is protection that goes with you.
Here's some examples of when condo insurance can help
- In your car: You hid your tablet and camera under the seat but both are stolen.
- On vacation: Sprinklers go off in your hotel room ruining your laptop.
- Moving: Your policy protects your things for 30 days from the day you start moving, including items in a storage facility.
Some common damages not covered by condo insurance can include (not limited to)
- Earthquakes
- Floods
- Intentional acts
You may be able to buy a separate policy for some of these damages if needed.
An HO6 policy is just another word for a condo insurance policy. If you're looking for an HO6 policy, no worries, you've found it. This term is generally interchangeable with “condo insurance." Some people may call it condominium insurance too.
But no matter what you call it, we can help you get the condo insurance coverage you need.
It depends. Condo insurance normally protects the inside of a unit only. So, it normally doesn't protect the structure of the building, including things that are shared like
- Roofs
- Garages
- Sidewalks, etc.
Many townhomes and condos have a homeowners association with a master policy. These master policies often help protect these shared elements. In these cases, a condo policy would work. You'll just want to verify what/if things are covered by a master policy.
Please note, if you're renting a townhouse, a renters insurance policy is what you'd need.
Yes, if you own a condo and want to protect your belongings, condo insurance can help. Although condo insurance isn't required by law, some lenders may require it.