Condo coverage that starts where the master policy stops
Your HOA covers the building. Who pays for your kitchen, flooring and a $15,000 special assessment depends on the bylaws. We read them before we quote.
How we approach condo insurance
Condo associations write master policies in one of three ways: bare walls, single entity, or all-in. The difference decides whether you insure the cabinets, drywall and fixtures inside your unit. We review your declarations and master policy summary so your HO-6 limit matches reality.
Loss assessment coverage is the second piece people miss. If the association's deductible is $25,000 and a storm damages the roof, owners can be billed for their share. A small endorsement covers that.
What a typical policy includes
Unit improvements
Interior walls, flooring, cabinets and fixtures that the master policy does not cover.
Personal property
Your furniture and belongings inside the unit and away from home.
Loss assessment
Your share of association deductibles or uninsured losses billed to owners.
Personal liability
Injuries in your unit and damage you cause to neighboring units.
Loss of use
Living expenses if your unit is unlivable after a covered loss.
Water backup
Optional coverage for drain and sewer backups into your unit.
What affects your price
Carriers weigh these differently, which is exactly why comparing several of them pays off.
| Factor | Why it matters |
|---|---|
| Master policy type | Bare walls requires far more unit coverage than all-in. |
| Interior finishes | Hardwood, stone counters and custom built-ins raise the limit. |
| Floor level | Upper units have different water exposure than garden units. |
| Association deductible | Drives how much loss assessment coverage you need. |
| Deductible | Your own unit deductible, commonly $500 to $2,500. |
From first call to coverage in about a day
Most personal policies can start within one business day. Commercial lines usually take three to five.
- 1
Tell us the basics
Five minutes online or on the phone. A photo of your current declarations page is plenty.
- 2
We shop the carriers
Your agent runs the same coverage across the carriers that write this line well.
- 3
Compare with an agent
A short call to walk through price, limits and the fine print that actually differs.
- 4
Bind and stay covered
We start coverage, send documents, and re-check it at every renewal.
Why clients buy condo insurance through Ironbridge
Bylaw review
We read the master policy summary so you are not double insured or underinsured.
Assessment protection
We size loss assessment to your association's actual deductible.
Lender-ready documents
HO-6 declarations sent to your lender and management company.
Bundle discounts
Condo plus auto typically unlocks multi-policy pricing.
Condo insurance questions
More answers in our full FAQ, or call an agent at (216) 555-0117.
HO-6 is the standard condo unit owner form. It covers your interior improvements, belongings, liability and loss assessments.
Ask your management company for the certificate of insurance and the section of the declarations that describes unit boundaries. We can request it for you.
Damage inside your unit is typically covered by your HO-6. Your neighbor's liability may reimburse your carrier later.
Often paired with condo insurance
Home insurance
Dwelling, belongings and liability, with the water backup and roof terms Ohio homes need.
Renters insurance
Your belongings and personal liability, usually for less than a streaming subscription.
Umbrella insurance
An extra $1 million to $5 million of liability above your home and auto policies.
Compare condo insurance quotes today
One conversation, quotes from up to 14 carriers, and an agent who explains the trade-offs before you sign.
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