Condo Insurance

Protect Your Space with Our Comprehensive Condo Insurance

At Louis J Kirsch 3rd Insurance Agency, we understand that your condo is more than just a place to live; it's a significant investment and a sanctuary. Our condo insurance policies are tailored to protect your home and belongings, ensuring you have peace of mind knowing you're covered against unexpected events.

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Building Property Protection

Building Property Protection covers the physical structure of your condo, including walls, floors, and built-in fixtures. This coverage is essential to safeguard your investment from damages caused by fire, storms, or other covered perils, ensuring you can quickly restore your home to its original condition.

Personal Property Coverage

Personal Property Coverage protects your personal belongings, such as furniture, electronics, and clothing, against theft, vandalism, or damage from covered events. This ensures that you can replace your valued possessions without financial strain.

Liability Coverage

Liability Coverage is crucial in protecting you from financial loss if someone is injured while visiting your condo. It covers legal expenses and medical bills, providing you with peace of mind knowing you're protected against potential lawsuits.

Frequently Asked Questions

  • What does condo insurance cover?

    Condo insurance typically covers the interior structure of your unit, personal belongings, liability protection, and additional living expenses if your condo becomes uninhabitable due to a covered event. It may also include coverage for loss assessment, which helps pay for your share of damage to common areas.

  • How is condo insurance different from homeowners insurance?

    Condo insurance specifically covers the interior of your unit and personal belongings, whereas homeowners insurance covers both the interior and exterior of a standalone home. Condo insurance also includes loss assessment coverage for damage to shared areas of the condo building.

  • Do I need condo insurance if my condo association has a master policy?

    Yes, the condo association's master policy typically covers the building’s exterior and common areas but does not cover the interior of your unit or your personal belongings. Condo insurance fills in these gaps and provides additional liability protection.

  • What is loss assessment coverage?

    Loss assessment coverage helps pay for your share of damages to common areas of the condo building when a claim exceeds the condo association's master policy limits. This is important for protecting you from unexpected expenses.

  • Does condo insurance cover water damage?

    Condo insurance may cover water damage caused by sudden and accidental events, such as a burst pipe. However, it typically does not cover damage from flooding or sewer backups unless you have additional endorsements or policies.

Protect Your Condo with Confidence

Whether you're a full-time resident or a part-time dweller, having the right condo insurance is vital. At Louis J Kirsch 3rd Insurance Agency, we offer comprehensive coverage tailored to your unique needs, so you can enjoy your home without worry.


Contact us today to learn more about our condo insurance options and to get a personalized quote.