condo insurance coverage and feature options

Get the right condo insurance coverage you need.

several condominiums with various siding colors
Condo insurance coverage goes beyond your condo association policy, covering things like personal belongings and any improvements or remodel work you’ve completed 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 independent agent can offer personal advice about product availability in your area and how much coverage is right for you.
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Standard Coverage
+Included With Every Policy-Included With Every PolicyIncluded 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.
+Personal Possessions-Personal PossessionsPersonal Possessions
Every Safeco Condo Insurance policy covers 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-If You're Held ResponsibleIf You're Held Responsible
Your condo insurance also protects people. It protects you in certain 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.
+Additional Living Expenses-Additional Living ExpensesAdditional Living 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.
Additional Coverage Options
+Identity Recovery-Identity RecoveryIdentity 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.
+Valuable Articles-Valuable ArticlesValuable Articles
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 independent agent about making sure your most valuable belongings are covered.
+Personal Property Replacement Cost Protection-Personal Property Replacement Cost ProtectionPersonal Property Replacement Cost Protection
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-Multiple Losses, One DeductibleMultiple Losses, One Deductible
Combine your condo and auto policies as a Safeco Package1 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 independent agent about other coverage options and for personal advice about condo insurance coverage that’s right for you, including loss assessment coverage.

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.
1Safeco Package options and availability vary by state.