Condo Insurance

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What is condo insurance and do I need it?

Condominiums occupy a special category in real estate. They’re not apartments. But they’re not single family homes either. So it’s no surprise they have their own unique category in insurance, too.

Unlike your home insurance policy, your condo policy works in conjunction with your master homeowners association (HOA) policy to provide protection for your condominium. The HOA policy is responsible for the exterior, and your condo policy is for protecting the interior of the condominium, your personal property along with several other important coverage

How to save on insurance for your condo

Just because your home costs a pretty penny doesn’t mean your insurance has to.
We actually want you to save money. Imagine that.
Condo Insurance Discounts

Get the New Home discount.

If you’re moving into a new home or condo, you could get a discount right off the bat. Seriously. There are more discounts too! And some are pretty easy to get.

Condo Insurance Devices

Protective Devices

Get a discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.

Bundle condo insurance

Bundle home with auto insurance.

It’s called the Multi-Policy discount. Bundle multiple insurance policies with our insurers (like home & car or motorcycle), and you could save … BIG time.

What does condo insurance cover?

There are four general condominium insurance coverages: personal property, personal liability, damage to unit structure, and additional living expenses. Many plans bundle all of these coverages into one comprehensive insurance policy.
Condo Property Insurance

Personal Property

Condo insurance can help replace stolen or lost things in a covered incident (like a fire). Your stuff can even be protected on the go.

Liability Insurance

Personal Liability

If a guest is injured inside your unit, condominium insurance helps pay for their medical expenses and protects you financially.

Condo Coverage

Damage to Unit Interior

In a condo you OWN everything inside your unit (unlike an apartment) for instance, the carpeting, ceilings, and countertops. Condo insurance helps insure them.

Loss of Use

Additional Living Expense

If your condo is damaged and unlivable, condominium insurance helps cover living expenses while repairs are made.

We even make managing your policy easy

Online Insurance

Log in to your policy

Get policy status, request copies of your documents, print ID cards … it’s the whole paperless thing. Find your ID cards and take care of biz online. Now you’re the boss.

Get the mobile app

Make your policy mobile. Do most of you can do online, but also have a direct communication link with your agent. Just a few taps on your smartphone.

Compare insurance quotes online

We created ComparisonQuote.com so consumers can easily compare the rates of our excellent insurance carrier partners online, secure, fast, and always free.

Get a condo insurance quote from
a trusted agent today

Comapre condominium insurance rates with A+ carriers in just minutes.
Call 1-800-334-7646 to speak with and agent.

Got questions about condo insurance?
We’ve got answers.

How much does condo insurance cost?

Condominium insurance rates vary depending on many factors including: how much it would cost to rebuild your unit, the condition and age of your condo, and your location. But great news! Most insurance companies offer discounts and savings to help make your condo policy affordable.

Can I get a discount?
Yep. We offer loads of them. See all the ways you could save big bucks with when you bundle your car and condo insurance.
Doesn’t my HOA cover my condo?

Your homeowners association (HOA) likely has insurance that covers general risk in your building. A condo association policy is maintained through HOA fees that the collective condo owners pay. Basically everyone pays a little to insure the community.

Make sure you ask questions and understand the HOA insurance policy. It helps to know exactly what to expect of your HOA. Most HOA’s will cover common areas and the exterior structure, but the homeowner remains responsible for the interior.

Location Address

Physical Address:
17901 Von Karman Ave, Suite 600
Irvine, CA 92614

Mailing Address:
PO Box 62436
Irvine, CA 92602

(714) 955-4132 - Local
(877) 344-7646 - Sales & Service
(760) 238-7116 - Agency Affiliation
(888) 316-4832 - Fax

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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