Insurance for Condominiums in Minnesota

Every condo insurance policy we write is tailored to the owner’s needs and the association’s coverage. However, most policies include the following key protections:

Interior Unit Coverage (Dwelling)

Protects everything inside your unit not covered by the HOA policy, such as walls, flooring, cabinetry, fixtures, and built-in appliances. We’ll review your association’s master policy to determine how much coverage you actually need.

Personal Property Protection

Covers your belongings such as clothing, furniture, electronics, kitchenware, and more. If a fire, burglary, or water damage affects your condo, this coverage helps you recover and replace your items.

Liability Coverage

If a visitor is injured in your unit or you accidentally cause damage to another unit (like a kitchen fire or water overflow), this protection helps pay for medical expenses, repairs, and legal fees.

Loss of Use

If your condo becomes unlivable due to a covered event, this coverage pays for alternative housing, meals, and other related living expenses while repairs are being made.

Medical Payments to Others

Provides coverage for minor medical claims made by guests, without the need for legal action. This is a helpful safety net for small injuries and helps prevent lawsuits.

Optional Endorsements

We offer several optional coverages to further enhance your policy:

• Water and sewer backup
• Earthquake coverage
• Scheduled valuable items (jewelry, art, collections)
• Identity theft restoration
• Equipment breakdown for in-unit systems