Condo insurance, sometimes called condominium insurance, is designed to cover the unique aspects of condo ownership. Unlike a standard homeowners policy, a condo policy typically covers your unit’s interior, personal belongings, and personal liability. In Pennsylvania, where condo living is increasingly popular in urban and suburban areas, protecting your investment is crucial.

Your condo association’s master policy may cover the building’s exterior and shared spaces, but your unit’s interior and personal property may not be fully protected. Condo insurance can include coverage for damages from fire, theft, water damage, and certain natural events, as well as protection if someone is injured in your home. At Ondik Insurance Agency, we help Pennsylvania residents understand what their condo association covers versus what they need individually, so you aren’t left with unexpected costs.

Determining the right level of condo insurance in Pennsylvania depends on your unit size, location, and personal belongings. Coverage typically includes the structure of your unit (walls, floors, ceilings), personal property (furniture, electronics, clothing), liability protection, and additional living expenses if your condo becomes temporarily uninhabitable.

At Ondik Insurance Agency, we work with each client to assess their needs carefully. Many Pennsylvania condo owners underestimate the value of personal property or the liability risks associated with guests and accidents. Our agents provide personalized estimates, which may include additional riders for high-value items, water backup coverage, or identity theft protection. We ensure that your policy aligns with both state requirements and your lifestyle, giving you confidence that you’re adequately protected.