Condo Insurance

Condominium Insurance in Middleburg Heights, Cleveland metropolitan area, and the entire state of Ohio

Get a price for condo insurance policy today, just select an option below.

Choose “Get Instant Quote” above to get an instant price within seconds and, if you are satisfied, can purchase right online within minutes.

If you require a more detailed or complex quote or just prefer to speak to someone, choose "Get Detailed Quote". 

We are committed to providing you with the best possible service and at the most competitive rates.

Condo insurance to keep you, your condo, and your belongings insured just right

Condo insurance is insurance that is specifically designed to protect condominium owners. In Ohio, condominium insurance is can be crucial because it can help protect you from financial losses if your condominium is damaged or destroyed.

Condominium insurance can also help protect you from liability if someone is injured on your property.

Condominium insurance policies typically cover the following:

• The dwelling -this includes coverage for the structure of the condominium, as well as any permanent fixtures and fittings.

• Personal belongings – this includes coverage for your personal belongings, such as furniture, clothing, and electronics.

• Loss of use – this provides coverage if you cannot live in your condominium due to damage or destruction. In addition, it can help cover the cost of alternative accommodation.

• Liability – this provides coverage if you are found liable for damages or injuries caused to someone else.

In Ohio, condo insurance is not required by law, but most mortgage lenders will require you to have it if you have a mortgage on your condominium.

Condominium insurance is typically paid for every month, and the cost will depend on several factors, including the value of your condominium, the amount of coverage you need, and the deductible you choose.

 FAQs about condo insurance: Frequently asked questions

  • Condo insurance is a type of insurance for condominiums that covers the unit owner for losses to the unit and its contents.

  • Condo insurance covers the unit owner for losses to the unit and its contents caused by theft, lightning, fire, smoke, vandalism, and water damage (from accidental water discharge).

  • Condo varies by the insurance carrier, but the insurance typically costs $100 to $300 per year.

  • Like homeowner's insurance, the state of Ohio does not require condominium owners to purchase condo insurance. However, it is wise for condominium unit owners to maintain an active policy as the cost is far less than the alternative scenarios.

  • The coverage you need depends on your possessions' value and the coverage provided by your condominium association's master policy. Call us today for a detailed quote unique to your situation, and we'll get the appropriate coverage for your needs.

  • Mainly, renters insurance only covers the belongings of the renter, while condo insurance covers both the unit and the belongings of the unit owner.

  • HO-03, or standard homeowners insurance, typically covers the inside and outside of the dwelling.

    On the other hand, your standard condominium insurance will only generally cover the inside of the property.

Find out how affordable it can be to have an umbrella insurance policy to keep you dry. 

We are committed to providing you with the best possible service and at the most competitive rates.