Condo insurance

"I was able to get the best possible rate on both home and auto insurance"

Marty Robledo


Condos are unique – find the coverage you need

Your condo insurance policy covers your personal property and liability, as well as any additions, modifications and improvements you make to your unit based on the condo association agreement.

Optional loss assessment coverage is also available to cover you against determined evaluations that may be charged by the condo association. You would be reimbursed for additional living expenses incurred should you need to vacate your condo after a covered loss.

Let Garden Insurance Agency, Inc. help you find coverage options that protect you, your family, and your personal property. Call us at 978-473-3363 and let us help to make sure you’re properly covered.


Have any questions?

Check our FAQ



Condo insurance Explained

Chances are, you'll find the answer in our FAQs. Here are some of the more common questions we get asked:

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association policy usually insures the building and common areas.

You are responsible for the interior of your unit. Condo insurance will protect your personal property and provide you with liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance typically does not cover.

Condo association insurance policies are all different regarding what each unit owner is responsible for if ever a loss. It is important for you to consult your HOA agreement.

IMPORTANT: Review your HOA agreement to verify what the Association policy covers and what you are responsible for if a loss were to occur. If common areas are destroyed or ruined, your condo association may impose assessments against all the owners to pay the deductible on their association policy.

Condo insurance provides coverage for your personal property. You have the option to select Actual Cash Value or Full Value Personal Property. It is recommended to elect the Full Value Personal Property option. This option ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss. 

Various limits of loss assessment coverage are available. Be sure to review the HOA agreement to determine the potential for such assessments.

Your condo insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.

Additionally, you can select medical payments coverage. If medical expenses are incurred by a visitor who is injured at your residence, then you are covered regardless of who is at fault. Various limits are available.