Condo insurance that’s personalized for you

Take a breather while we help you find and compare condo insurance quotes, made to match your needs.
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Answer a few questions to find the right policy for you, fast. Or, an expert, state-licensed VIU by HUB Advisor can get you insured in a snap.

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Keep your home covered,
no matter what happens

Whether your condo or co-op is your main residence, a vacation rental or leased to a long-term tenant, a VIU by HUB Advisor can help find the right coverage for you.

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    Safeguard your space against unexpected damages

    Condo insurance covers what your building’s insurance won’t: the interior of your unit. If damaged or temporarily unlivable, the right policy can reimburse you for repairs, hotels and other costs.
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    Protect your possessions from damage and theft

    Our advisors help you find condo insurance that covers damaged, lost or stolen jewelry, art work and other valuable items you might keep in your condo or co-op.
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    Equip yourself with liability coverage for everyday risk

    If you get sued for accidental damage or injury that happens in your co-op or condo, condo insurance can help minimize the financial hit and repercussions to you and your family.
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We’ll do the legwork, so you can compare and shop condo insurance quotes in a snap.

Learn more about condo insurance

Check out our FAQs or call 833-495-2748 to speak with an expert insurance advisor.

Condo insurance is a specific type of insurance policy designed to cover condo owners for a variety of risks, including liability for injuries that occur within their unit as well as damage to their personal property and permanent fixtures like cabinetry, wall coverings and more.

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Condo insurance is different from homeowners insurance mainly because of the ownership structure. In a condo, you own the interior of your unit while the homeowners association (HOA) usually owns and insures the exterior and common areas.

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Condo insurance may not be legally necessary, but it protects the financial investment you’ve made in your home and is often required by mortgage lenders. 

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A master policy is the insurance policy held by the condo association or HOA. It usually covers the building's exterior and common areas. Understanding what the master policy covers can help you decide how much coverage you need for your own condo insurance.

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Condo insurance typically covers personal property, liability, permanent fixtures, loss of use (if your condo becomes uninhabitable due to a covered loss) and, at times, loss assessment for claims against the community's master policy. A VIU by HUB Advisor can make sure to include the coverages you’ll need in your condo insurance policy.

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The amount of condo insurance you need will depend on various factors like the value of your personal property, the coverage level of your community’s master policy and any lender requirements if you have a mortgage. A VIU by HUB Advisor can help you determine the proper amount of protection for your unique situation.

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Loss Assessment coverage is an additional feature that covers your share of an HOA assessment. It protects you against charges incurred due to community property damages that exceed the master policy's limits. A VIU by HUB Advisor can be sure to include this in your policy when purchasing insurance through us.

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Standard condo insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to add specialized coverage to your policy for any valuables you may have.

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It may be possible to lower your condo insurance premium by adding certain security features to your condo or by opting for a higher deductible. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before finalizing.

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Insurance experts who have your back

VIU by HUB Advisors offer bias-free policy guidance and tailored expertise to keep you fully protected — every step of the way.

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    All your policies,
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    Consolidate all of your personal insurances to save serious time.

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    Immediate results and clear comparisons

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    Smart advice,
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    Lean on experienced VIU by HUB Advisors for guidance and peace of mind.

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The VIU Point is here to help you make sense of it all, so you can confidently compare condo insurance quotes and make the best policy decisions overall.