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Condo insurance

Start with what your association's policy leaves to you

Your unit and your association’s building policy need a closer look together. Discuss condo insurance with Ting Insurance Services LLC, starting with the master policy, your belongings and the parts of the unit you are responsible for.

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What it usually covers

  • Your unit's interior. Coverage for interior building items and improvements you are responsible for under the association's governing documents.
  • Your belongings. Protection for furniture, clothing and other personal possessions after covered damage or theft.
  • Personal liability. Help with covered claims that you caused injury to someone else or damaged their property.
  • A temporary place to live. Loss-of-use coverage helps with additional living expenses when covered damage makes your home unlivable.
  • Certain association assessments. Ask about loss-assessment coverage for your share of an association's covered loss; it does not pay every charge the association makes.

Who it is for

For people who own a condo and want to understand their part of the insurance picture. Start with the association's master policy and governing documents, then look at your own policy. One association may insure original fixtures; another may leave more of the interior to the unit owner. A kitchen remodel can change what you need to insure.

Insuring the association rather than your own unit? Start with HOA and condo association buildings. If you rent your unit to paying guests, see Short-term rentals.

As part of every quote, we review the current policy and coverage documents you provide.

What to have ready

Bring what you have so we can begin with the unit and the association's responsibilities:

  • Your current condo policy, if you have one.
  • The association's master policy and insurance summary.
  • Governing documents describing responsibility for the interior.
  • A list of renovations, fixtures and finishes you have added.
  • An estimate of your belongings' replacement cost.
  • How you use the unit: your home, a second home or a rental.

Common questions

Does the association's policy cover everything inside my condo? (show answer)
No. The split varies by association. Review its documents before deciding how much interior coverage to request.
Is earthquake coverage included? (show answer)
Do not assume it is. The California Earthquake Authority offers condo-unit earthquake policies, including optional coverage for certain association assessments. See Earthquake insurance.
Will loss-assessment coverage pay a routine maintenance assessment? (show answer)
It is intended for certain assessments arising from insured losses, not as a general fund for maintenance or improvements. Ask how the policy treats the specific assessment.
What if I have recently remodeled? (show answer)
Bring the details. Improvements may be your responsibility even when the master policy insures the unit's original fixtures.

Let's look at your unit and the master policy together

Share your current policy and the association's insurance information to start your review.

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We review your request and contact you.

Sources (3)

  1. Residential Insurance: Homeowners and Renters - California Department of Insurance. Accessed Nov 1, 2026. Condominium section.
  2. Insuring a co-op or condo - Insurance Information Institute (Triple-I). Accessed Nov 1, 2026.
  3. CEA Condo-Unit Policy Coverages & Deductibles - California Earthquake Authority. Accessed Nov 1, 2026.