Condo insurance that fits your needs
Condo coverages
Condo discounts
With numerous ways to save, State Farm can help keep more money in your pocket.
Condo claims
Filing a condo claim with State Farm is fast and easy — even when you go digital.
Bundle and save up to $1,2733
Do I need H06 condo unit insurance?
Your condo association likely won’t insure your unit or the personal property inside. The association’s insurance typically focuses on the exterior building structure and common areas. A State Farm agent can help you choose the most appropriate protection plan for your condominium unit.
What do I need to get a condo insurance quote?
We can start the quote process with things you already know. It may take less than 10 minutes.
What to expect
Provide your name, address, date of birth and coverage start date
We’ll search public records so you might not need to fill in the details of your condo
You confirm it’s your information
- From there, more specific condo and personal information will better help determine your coverage options, deductible and policy cost4
Occupancy information
Number of people living in the residence full time
Is the condo unit your primary home?
If the unit is seasonal/secondary, the number of weeks occupied
Value of the personal property you wish to insure
Your insurance history
Any claims for insured losses you’ve made in the past 5 years
The name of your most recent property insurance carrier
Dates of when you last had coverage
Safety features you have and other factors
Burglar alarms
Fire alarms
Sprinkler systems
What’s the distance to the nearest fire service?
How accessible is your condo to fire service?
Is your condo outside the city limits of the city closest to you?
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen — for free.
Frequently asked questions about condo insurance
Most likely, your condominium association won’t insure your unit or the personal property inside. The association’s insurance generally provides coverage for the condo’s exterior building structure and the common areas.
One of the most important aspects of condominium unit owners insurance is the replacement cost for personal property. We offer two coverage options:
Limited replacement cost loss settlement
Helps provide payment based on the cost to repair or replace the damaged property at the time of loss.
Depreciated loss settlement
Helps provide payment based on the cost to repair or replace damaged property less depreciation at the time of loss.
Yes. In most cases, it is used interchangeably to describe the liability insurance for condo unit owners.
If there is an association form of ownership with a master policy insuring the building exteriors, then you’ll need condo insurance for the interior of your unit. If not, you’ll need a homeowners policy.
Coverage options, deductibles, and discounts may affect your policy cost. Check with your State Farm agent to find out what best fits your needs and budget.
Homeowners insurance covers the interior and exterior of a dwelling, but the owner of a condo unit is generally responsible for insuring just their interior. Check your condo association bylaws to determine the type of coverage required.
Learn how and why you should keep a list of all your belongings and their worth.
Adding up the value of computers, electronics, appliances, jewelry, clothes, furniture, maybe even something particularly valuable like an engagement ring, art collection or musical instrument can help you determine how much personal property insurance coverage you need.
Some interior features of your condo unit, such as cabinets, countertops, carpet, doors, drywall and other portions of the unit may not be covered by the condo association’s master policy, so they may need to be included in your coverage. A State Farm agent can help you determine the value of the building property in your unit.
Tips to keep a better safeguard on your things.
Condominium unitowners policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?
Money, bank notes, coins
Business property
Watercraft including trailers, furnishings, and equipment
Trailers (other than boat trailers)
Firearms (applies to theft only)
Silverware and goldware (applies to theft only)
Rugs, tapestries (theft only)
If you need higher limits for certain types of property, your State Farm agent can help.
No, State Farm does not offer flood insurance. Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Your State Farm agent can probably assist you with obtaining flood insurance.
Rest easy, the policy may help provide protection for covered liability claims or lawsuits.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to help fit your specific needs.
Additional insurance options
Personal property insurance
Extra coverage for your personal property
Pet insurance
Coverage for your pet
Homeowners insurance
Coverage for your home
Renters insurance
Coverage for your stuff as a renter
Rental property insurance
Coverage for your rental property
Manufactured home insurance
Coverage for your manufactured home
Simple Insights®
Looking for help protecting your residence? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Apartment vs. condo
How to decide if buying a condo is right for you
A condo maintenance checklist for any season
Can you really save if you choose to bundle insurance?1 Use of the term “condo” or “condominium” on the page is a specific and exclusive reference to the condominium unitowners policy offered by State Farm.
2 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
3 Average annual per household savings based on a 2022 national survey by State Farm of new policyholders who reported savings by switching to State Farm. Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability, and eligibility may vary by state.
4 Please refer to your actual policy for a complete list of covered property and covered losses.
This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
State Farm General Insurance Company
Bloomington, IL
Tallahassee, FL
Richardson, TX