E A Stevens Company Inc

389 Main Street
Malden, MA 02148

Phone: 781-322-2324

152C South Main Street
Middleton, MA 01949

Phone: 978-774-6126

Condo Insurance

Condominium insurance is unique. The condo insurance you buy covers your personal property, liability, and those parts of the unit that are your responsibility. It may also be written to protect you from certain assessments levied by the condo association. And you’re covered for costs you incur over normal living expenses if you have to vacate your home.

What you need to know about condo insurance

Your home is filled with things that are important to you. Your condo insurance policy will provide you with both liability and personal property coverage. Personal property will follow you and provide coverage for your belongings anywhere in the world. Should you choose this protection, with replacement cost valuation, the policy will pay the full replacement cost without deduction for depreciation, up to the limits you select.

Protect Yourself and Your Guests

Condominium insurance protects you and your family against bodily injury, property damage claims, and litigation up to the limits you select. And if a visitor is injured on your property, or by you or a household member, the policy will pay covered medical expenses, up to the limits you select.

Know Your Master Policy’s Coverages & Limitations

Everyone who owns a condo should have a copy of the association’s master deed and insurance by-laws and should familiarize themselves with the insurance requirements. These condo documents identify what you should be insuring on your condo unit-owners policy. They specify if the association’s master policy is an ‘all in’ or ‘bare walls’ policy. If it’s a bare walls policy, you better be sure your condo unit-owners policy has a dwelling limit high enough to cover the interior structure of your unit. Call us so we can help you review these.

Bridge the Gaps

Make sure you know what the deductible is on your master policy so you can ensure you have enough dwelling coverage to cover any high association deductibles. Also, ask us about Loss Assessment coverage which provides coverage for those covered losses that are assessed to the unit owner, perhaps due to a large liability loss that exceeds master policy limits.

Get the Right Amount of Coverage at the Best Price

The more information you provide us, the better we can assist you in creating a condo policy that’s right for you. Ask about discounts for burglar alarms and for having multiple insurance policies with the same company.

Extra Coverage Doesn’t Have to Cost a Lot

Many people supplement their condo insurance with a personal umbrella policy for broader liability protection. And if you have special possessions such as jewelry, art, antiques, or collectibles – ask about scheduled personal property coverage.

Find unique insurance that is right for your condoTalk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs.

Get a Quote

Get a quick comparative quote using our online form or call us at 781-322-2324.

Get a Quote Online Call 781-322-2324

Featured Carriers

We’re proud to feature several fine insurance companies including Safeco, Andover Companies, The Hartford, Encompass, Travelers, Central Mutual, Acadia, Safety, Philadelphia, Norfolk & Dedham, Hanover, Liberty Mutual, Quincy Mutual, Foremost and many more!