Condo Insurance in Franklin, Ohio

Condo insurance can help protect the interior of your unit, personal belongings, and personal liability. Your association's master policy and your personal policy may cover different things, so it is important to understand what responsibility belongs to you.

A condo association's master policy generally covers the building structure and common areas, while a personal condo policy (often called an HO-6 policy) may cover the interior of your unit, your personal belongings, and your personal liability.

At Imperium Insurance Services in Franklin, Ohio, we can help condo owners across the Miami Valley review where the master policy may end and personal coverage may begin. Many condo owners are surprised to learn they may be responsible for interior walls, flooring, cabinets, and fixtures after a loss.

Loss assessment coverage may also be worth discussing — it can help if your condo association levies a special assessment for damage to shared areas. An agent can help tailor coverage options to your unit and your association's master policy.

What's Covered

Why Work With an Independent Agency?

• Coverage that complements your HOA master policy
• Affordable rates for condo owners
• Bundle with auto for additional discounts
• Loss assessment protection for shared areas
• Flexible deductible options

Condo Insurance FAQs