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 Coverage for every corner of your condo

A condo insurance policy covers any damages to your unit’s structure and your personal belongings caused by certain perils, such as fire or vandalism. You don’t have to own a house to protect the things you love – your condo is your home, and it deserves to be treated like one.

You might think your association’s insurance covers your condo and belongings, but unfortunately, that’s not always the case. While the association's insurance does cover parts of the building’s structure, it generally doesn't include your personal belongings like furniture, clothes and electronics. But a condo policy will help you repair or replace those belongings if they're damaged by a covered peril, such as theft, fire, smoke and more.

Additionally, many lenders require you to purchase “walls-in” coverage to protect the inside of your unit and your belongings (typically written as an HO-6 form).

When it comes to Allstate® condo insurance, you have your pick of several standard types of coverage that help protect you, your condo unit and your belongings. And if you want even more protection, you can buy additional, optional coverage.

Condo insurance helps pay for costs resulting from covered perils, which include:

• Theft
• Fire and smoke
• Vandalism
• Sudden and accidental water damage from your plumbing, water heater, heating or air conditioning system, or household appliances.

• Coverage & Policies
  Learn how Allstate helps protect condo owners.
• Discounts
  Find out how you can save money on condo insurance.
• Claims
  Get helpful information about filing a condo insurance claim with Allstate.

Get a fast and easy quote online today and see how easy it is to protect what matters most.

The amount you pay for condo insurance depends on a number of factors, including the types of protection and coverage limits you choose. Tailor your policy to meet your needs – and suit your budget – when you get your quick and easy quote online.

The amount of condo insurance coverage needed depends on certain factors, including the cost of replacing key interior features, your location, regional weather risks, and your condo’s Homeowner’s Association (HOA) insurance policy. Typically, HOAs only cover shared areas, so be sure to evaluate any insurance gaps you may have.

Everyone wants to save money, and we try to make it easy. Reduce the cost of condo insurance by take advantage of discounts, including:

• Multi-policy discount
  Bundle more than one qualifying policy with condo insurance.
• Welcome & loyalty discount
  Switch your existing condo insurance to Allstate, then save every year after that.
• Protective device discount
  Save more when you have safety devices installed, like theft or fire alarms.
• Homebuyer discount
  Reduce insurance costs when you purchase a new condo.
• Easy Pay Plan®
  Set up automatic payments and get a discount.
• And more!

Learn more about condo insurance discounts.

Bundled savings vary by state and are not available in every state.

• Condo + Auto
  Save up to 21%* when you bundle Allstate condo and auto insurance policies online.
• Condo + Motorcycle
  Reduce premiums when you bundle condo insurance with motorcycle protection.
• Condo + Term life
  Qualify for discounts when you bundle condo insurance and term life insurance

When gathering condo insurance quotes from multiple companies, you should remember to choose the same coverages, limits and deductibles for each quote to make an accurate comparison.

• Choose your coverage
  Take a look at the types of coverage included in the standard policy and consider what other optional coverages you want to add.
• Consider your limits
  Be sure to think about your personal finances when selecting a limit, which is the maximum amount the insurer will pay for a covered claim.
• Select your deductibles
  Some condo insurance coverages come with a deductible, which is the amount you'll pay out of pocket toward a claim. When choosing your deductible, be sure to think about how much you could comfortably afford to pay in the event of a claim.