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Condo Insurance Features and Coverage Options

Are You Protected? Get the Coverage You Need.

Condo insurance covers what your condo association policy doesn’t. You’ll definitely need to provide your own coverage for personal belongings. You’ll likely need additional coverage for any improvements or remodel work you’ve done inside your condo unit. Whether you need a condo insurance policy with only basic coverage or a fully-loaded policy with increased protection for bathroom fixtures, plumbing and wiring, Safeco gives you the flexibility to choose.

Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your condominium is properly protected.

Standard Coverage

Included With Every Policy

Your Safeco condo insurance policy includes coverage to help pay for repairs and fix damage done to the inside of your condo unit. This is the main feature of a condo insurance policy.

At Home and on the Road

Every Safeco condo insurance policy covers your personal property, like your sofa and armchair set, flat-screen TV, laptop, tennis racket and blender. This means your possessions are protected from damage and theft when they’re at home or with you anywhere in the world, from the next block over to another continent.

If You’re Held Responsible

Your condo insurance also protects people. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property. If a guest is injured while visiting you in your condo, they’re covered too. You and your family are protected against bodily injury, property damage claims and litigation.

Temporary Housing and Expenses

If you’re unable to live in your condo while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.

Popular Coverage Options

Identity Recovery

For only $1 a month, identity recovery coverage helps cover the cost of restoring your identity if it’s stolen. You can reduce your risk by learning how to prevent identity theft.

Silverware, Coins and Art

Some high value items like silverware, coins, fine art, jewelry and other collectibles require special protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible. Talk to your local Safeco agent about making sure your most valuable belongings are covered.

For What It’s Worth

If you sold your canopy bed in a yard sale, you’d probably get less for it than what a brand new one would cost in the furniture store. In the event of a loss, Safeco personal property replacement cost protection will help pay for the cost to purchase a new canopy bed that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods and other covered belongings. We’ll pay the actual replacement cost of your things that were damaged or stolen regardless of their age and condition, up to the limits and deductibles you select.

Multiple Losses, One Deductible

Combine your condo and auto policies as a Safeco Package* and become eligible for a single loss deductible. If your car or motorcycle insured with Safeco is damaged in the same event as your condo, you may only have to pay one deductible. For example, if a tree falls and damages both your condo and your car, we’ll waive your auto deductible after your condo deductible is paid. Ask your local Safeco agent about other coverage options and for personal advice about condo insurance coverage that’s right for you, including loss assessment coverage.

Note: *Safeco Package options and availability vary by state.

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© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.