Typically reading the bylaws your HOA has online will list out things that need to be covered by you.

Most of the time, you are only responsible for things inside the unit, but each community is different.

It covers your share of the amount needed to pay the insurance for common areas.

An example would be a shared roof, even if the roof isn't owned by you but by the HOA, the HOA's deductible is split amongst the condo unit owners. Most policies only come with $1000 of coverage. Raising it to $25000 costs just a few dollars, and saves you thousands.

If you lease out your condo, you typically need a landlord policy, which we offer.

A landlord policy can help cover the unit's interior/fixtures you're responsible for, loss of rental income after a covered claim, and liability protection if a tenant or guest is injured and you're held responsible.

If you ever need to file a claim, you won't be stuck calling a random 1-800 number and hoping for the best. You'll have our local team in your corner—guiding you step-by-step, helping you understand what to expect, and making sure the claim is handled the right way.

We'll help you report the claim, gather the right information, and communicate with the carrier so you're not doing it alone. Most importantly, we stay involved from start to finish—because when something goes wrong, you deserve a real advocate, not just a call center.