condo insurance

It’s like homeowners insurance, only different.

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Your condo association probably insures your building and the common areas, but protecting against damage inside your unit or covering the loss of your personal possessions is usually your responsibility. And what happens if you or your guest gets injured? That’s where Condo Insurance from Safeco comes in. Talk to your local independent agent for personal advice about condo coverage that is right for you. We’ll help to make sure you’re properly covered.
File a Condo Insurance Claim Online
Safeco now makes it simple to file your Condo Insurance claim online. Our digital claims service is available 24/7; track your claim online as well, and reach out with any questions you have along the way.


Condo Insurance Coverage Options
Get the coverage you need to protect yourself, your condo unit, and your belongings with our flexible condo insurance coverage options.

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Condo Insurance Discounts & Savings
Discounts are available if you have a burglar alarm or fire sprinkler system installed in your condo. You may also qualify for a lower rate if you live in close proximity to a fire station.

+Get the Package Deal-Get the Package DealGet the Package Deal
Save up to 10 percent when you combine your condo and auto policies as the Safeco Package.
+Multiple Policy Discount-Multiple Policy DiscountMultiple Policy Discount
Save even more with a multiple policy discount when you also add coverage for your motorcycle, boat, or RV. Talk to your local independent agent about additional ways to save based on your individual situation.
+Choose a Higher Deductible-Choose a Higher DeductibleChoose a Higher Deductible
A higher deductible will lower how much you pay for condo insurance by shifting part of a loss payment to you. For example, if you have a $500 deductible, you’ll pay the first $500 of a loss out of your own pocket. A higher deductible will lower your condo insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.
+Pay Your Bill in Full-Pay Your Bill in FullPay Your Bill in Full
If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.
Frequently Asked Questions
+What is condo insurance?-What is condo insurance?What is condo insurance?
Condo insurance covers most of what your condo association master 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.
+Which part of my condo am I responsible for?-Which part of my condo am I responsible for?Which part of my condo am I responsible for?
You’re usually responsible for what’s inside your condo unit, including your personal belongings, appliances, light fixtures, bathtub, toilets, sinks, walls, and floors.
+Who insures the pool, tennis courts and function hall?-Who insures the pool, tennis courts and function hall?Who insures the pool, tennis courts and function hall?
Shared buildings and common areas are usually covered by your condo association master policy.
+Do I get a discount for having a burglar alarm?-Do I get a discount for having a burglar alarm?Do I get a discount for having a burglar alarm?
Yes, you get a discount for having a burglar alarm.

Find a Local Independent Agent
A local independent Safeco agent can help you discover the Condo Insurance coverage you need to fit your unique situation.