For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
Condo Insurance
from Pepper, Johnstone & Company
Condominium insurance is unique. A condo policy is designed to complement the condo association's master policy and provide tailored protection for the interior of your condo unit and personal assets. Condo owners and unit owners are responsible for insuring the interior of their condo unit, while the condo association's master policy typically covers the building's exterior and common areas. The condo insurance you buy covers your personal property, liability, and those parts of the unit that are your responsibility. The homeowners association may require condo insurance, especially if a mortgage lender is involved. It may also protect you from certain assessments levied by the condo association. Condo coverage includes protection for the interior elements of your condo unit, personal property, and liability, and understanding what is covered by the master policy is essential for unit owners. And you’re covered for costs you incur over normal living expenses if you have to vacate your home.
Protect Your Belongings
Your home is filled with things like furniture and designer furniture that are important to you. Condo insurance can include personal property protection, which can travel with you wherever you happen to be in the world. Condo insurance coverages can also include protection for money and other valuables, subject to specific coverage limits. Should you choose this protection, the policy will pay the full replacement cost without depreciation deduction, up to the limits you select.
Protect Yourself and Your Guests
Condo insurance protects you and your family against bodily injury, property damage claims, and litigation up to the limits you select. Condo insurance policies include personal liability protection and liability coverage, which help pay for legal defense costs and court judgments if you are found legally responsible for injuries or property damage to others.
And if a visitor is injured on your property, by you or a household member, medical payments coverage is included to help pay for emergency medical bills, up to the limits you select. This liability protection ensures you have personal liability coverage for both legal and medical expenses resulting from incidents for which you are legally responsible.
Get the Right Amount of Coverage at the Best Price
The more information you provide us, the better Pepper, Johnstone & Company can assist you in creating a condo insurance policy that’s right for you. Several factors influence condo insurance cost and premiums, including your location, rebuilding expenses, and the value of your personal property.
Obtaining an insurance quote or a condo insurance quote today can help you determine how much coverage or how much condo insurance you need. Condo insurance depends on your individual needs, and comparing insurance rates and premiums can help you save money and find the best value.
Ask about condo insurance discounts for burglar alarms and for having multiple insurance policies with the same insurance company, as these safety features and discounts can help you save on your condo insurance premium.
Extra Coverage Doesn’t Have to Cost a Lot
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. Ensuring the interior elements and finishes of your condo is important to ensure you are protected against the cost of replacing finishes and fixtures. Coverage should be based on replacement costs rather than market value to ensure you can fully repair or replace damaged interior elements. And if you have special possessions such as jewelry, art, antiques, or collectibles, ask about scheduled personal property coverage. Extra coverage can help cover damage caused by specific events not included in standard policies.
Frequently Asked Questions
About Condo Insurance
Condo insurance provides coverage for the interior (walls-in) of your condominium unit, including your personal property, liability, and any parts of the unit that are your responsibility. It may also protect you from certain condo association assessments and provide coverage for additional living expenses if you need to temporarily vacate your home due to a covered event.
You need condo insurance to protect your condominium unit and belongings in condos against covered loss, such as fire, theft, or water damage, and to help cover assessments for repairs to common areas shared by all residents.
Yes, if you choose personal property protection, your belongings are covered anywhere in the world. This includes full replacement cost coverage (without depreciation), up to the limits specified in your policy, ensuring your possessions are protected whether you're at home or away.
If a guest is injured inside your condo or due to the actions of you or a household member, condo insurance will cover medical expenses and protect you against bodily injury or property damage claims, up to the coverage limits you’ve selected.
Yes. You can add scheduled personal property coverage for valuables like jewelry, art, or antiques. Additionally, a personal umbrella liability policy can be added for broader coverage and higher liability limits, often at an affordable cost.
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This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
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I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
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