Condo Insurance That Covers More Than Just the Walls
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Your Condo Insurance Policy Should Cover
No two condo associations are the same, which means no two policies should be either. We help you fill in the gaps with coverage tailored to your unit and lifestyle.
Interior Unit Coverage
Protects walls, flooring, cabinets, and built-ins that aren’t covered by your HOA.
Personal Property Coverage
Covers your belongings—from furniture and appliances to clothing and electronics—against theft or damage.
Personal Liability
Helps cover legal and medical costs if someone is injured in your condo.
Loss of Use
Covers temporary housing if your unit is uninhabitable after a covered claim.
Loss Assessment
Helps pay for your share of special assessments issued by the condo board for covered damages.
Coverage Add‑Ons That Matter
Smart extras can help protect your investment and peace of mind.
Scheduled Personal Property
Add coverage for high-value items like jewelry, art, and collectibles.
Water Backup Coverage
Protects against sewer or sump pump backups—not always covered by standard policies.
Equipment Breakdown Coverage
Helps repair or replace essential appliances and systems such as HVAC units, refrigerators, or built-in microwaves after a mechanical or electrical failure.
Condo Insurance FAQs
Doesn’t my condo association’s insurance cover everything?
No. Most master policies stop at the drywall. You’re usually responsible for everything inside your unit.
What’s the difference between HO-3 and HO-6 coverage?
HO-3 is standard for standalone homes. HO-6 is tailored for condos and townhomes and covers the “walls-in.”
Do I need insurance if I rent out my condo?
Yes. You may need a landlord policy or specific endorsements to cover tenant-related risks.
Can I bundle condo insurance with auto or umbrella policies?
Absolutely. Bundling can save money and simplify your coverage.
How do I know what my HOA’s master policy covers?
We’ll review your master policy and explain where your personal coverage should begin.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.