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California Condo Insurance

Customize your condo insurance coverage to fit your needs

Wawanesa is not currently offering new condo insurance while we make some important changes to serve you better. If you need help with your existing Wawanesa, please call us at 800-640-2920.

Condo Insurance in California

The Golden State has temperate weather, countless of outdoor activities, and breathtaking scenery that all make for easy living. What’s also easy is protecting your condo with affordable insurance from Wawanesa. Condo insurance covers the items within your unit — the items your association’s master policy does not cover. This includes coverage for improvements you’ve made to the inside of your unit and personal belongings such as jewelry, electronic, appliances and other items. In addition, your condo insurance policy provides protection against loss of use in the event of a covered loss, personal liability, and medical payments to others.

Condo Insurance Coverage in California

California condo insurance provides coverage for the dwelling, which means the interior of the condo unit. It protects improvements you’ve made, such as updating your kitchen cabinets or flooring. Condo insurance also insures your personal belongings within the unit such as electronics, appliances, jewelry, etc., covers loss of use, medical payments to others, and provides personal liability coverage in case someone sues you.

Types of Condo Insurance Coverages

Wawanesa condo insurance offers basic and optional coverages designed to let you tailor your policy to fit your unique needs.

Dwelling Coverage

Covers items owned by you, for example, the floors, cabinets, kitchen and bathroom countertops, and any improvements you’ve made inside the condo unit.

Personal Property Coverage

Covers your personal belongings, including electronics, major appliances, furniture, and clothing. This coverage also pays to replace stolen items, such as jewelry, watches, furs, goldware, silverware, firearms, and more.

Loss of Use Coverage

Covers additional living expenses if you have to temporarily move out due to your home being unhabitable due to a covered loss such as a fire.

Personal Liability Coverage

Helps pay and provides a legal defense for things like property damage, bodily injury, or medical bills if you’re found liable.

Medical Payments to Others Coverage

Provides coverages for minor medical claims if a guest is injured in your home.

In California, this coverage also includes workers compensation for occasional employees who work in your home less than ten hours a week, for example, babysitters, housekeepers, and gardeners.

Other Basic Coverages included in your condo insurance policy

Pays reasonable costs incurred by you to prevent further damage such as removal of debris and fire department service charges acquired while protecting the property.

Optional Condo Insurance Coverages

Our basic condo insurance coverage provides the necessary protection for most condo owners. However, you can customize your insurance policy by adding optional coverages to ensure your valuable items are protected.

Scheduled Property

Specific items, in the following categories, can be scheduled on an individual basis and insured to their current appraised value:

  • Jewelry
  • Furs
  • Musical Instruments
  • Silverware
  • Golf Equipment
  • Fine Arts (with or without breakage coverage)
  • Cameras and Photographic Equipment
  • Stamps
  • Coins

Limited Earthquake Coverage

Subject to a special deductible, this coverage provides some personal property coverage and additional living expenses if your condo remains unhabitable due to damage caused by an earthquake.

Loss Assessment Coverage

The basic policy provides up to $1,000 of coverage for your share of assessments charged to owners by the condo association for an event covered under your condo insurance policy.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money

Increases your limits of legal liability due to theft or unauthorized use of credit or debit cards, check forgery, or good faith acceptance of counterfeit money.

Identify Fraud Expense

Covers expenses incurred as the direct result of an instance of identity theft. A $500 deductible applies.

Home Cyber Protection

Covers expenses incurred for direct loss, damages related to cyber attack, cyber extortion, and online fraud. A $500 deductible applies.

Other Coverage Options

Wawanesa offers additional optional coverage options to meet your individual needs. These include:

  • Business Pursuits Protection
  • Increased Limits on Business Property

Start your quote online or call 800-640-2920 to discuss coverage options. Our helpful agents are ready to assist you with choosing coverage options that fit your insurance needs.

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Understand Your Condo Insurance Coverage

A condo insurance policy consists of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are insurance terms commonly used in condo insurance.


The protection and benefits provided to you by your insurance company.

Personal Liability

Helps cover legal, medical, or repair expenses if you’re responsible for injuring someone or damaging property.

Effective Date

The date your insurance policy begins.


The amount you pay out of pocket when you make a claim against your insurance policy. Deductibles are usually a specific dollar amount, but they can also be a percentage of the total amount of insurance on the policy.

Dwelling Coverage

In condo insurance this coverage would cover items within your unit not the structure of the home. This includes any upgrades you may have made to the interior of your unit, for example cabinets, flooring, and countertops.


The highest amount your insurer will pay for a claim that your insurance policy covers. If you file a covered claim, your insurance policy will pay up to a certain amount. You're responsible for any expenses that exceed the limit.

Personal Property

Your belongings housed within the condo unit, for example, your appliances, furniture, clothing, shoes, sports equipment, camera equipment, books, dishes, electronics, and more.

Loss of Use

Also known as additional living expenses insurance, can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your condo temporarily uninhabitable while it's being repaired or rebuilt.

Loss Assessment

Coverage that helps protect you if you're responsible for a portion of damage or loss in a common area of your condo community.

Covered Loss

The events that your insurance company agrees you’ll be reimbursed for should you file a claim. The main reason why people usually buy insurance policies is to have their losses covered.

California Condo Insurance Discounts

Wawanesa offers condo owners a wide array of discounts to help them save even more on affordable condo insurance. For example, get a discount by bundling your auto and condo insurance policies,[1] installing a home protection device, and other discounts.

Learn more about available discounts from Wawanesa.

California Condo Insurance Discounts

Get Your California Condo Insurance Quote

Along with affordable condo insurance rates, Wawanesa offers customizable coverages, 24/7 claims access, and award-winning customer service.[1] You’ll also earn discounts to save even more. Discounts vary by state, so find out what’s available in your state by starting a quote online.

Frequently Asked Questions About Condo Insurance Coverage

Is condo insurance required in California?
Yes. If you have a mortgage, the bank financing your home loan needs to protect their investment. Also, some California condo associations require or mandate that condo owners carry additional insurance since the master policy covers only the common areas. It’s also a good idea to have a condo insurance policy in case you need to repair or replace items damaged by a covered loss.
What is the average condo insurance cost in California?
California condo insurance rates can differ greatly due to many variables. Your premium will be calculated by factoring in the age, location, and other attributes of the condo as well as the value of your personal belongings and types of coverage you choose. The best way to see how much condo insurance costs is to get a quote online or by calling 800-640-2920.
What is covered by condo insurance in California?
California condo insurance protects the items in your unit not covered by your association’s master insurance policy. This includes the kitchen and bathroom cabinets, floors, walls, and any improvements you’ve made inside the unit. A California condo insurance policy also covers your personal belongings such as electronics, appliances, etc., medical payments to others, provides personal liability coverage in case you get sued, and loss of use in case you need to move out in the event of a covered loss.

Have more questions on condo insurance? Visit our FAQs page to find answers on common questions relating to coverage, discounts, and more.

Condo Insurance FAQs


  1. Wawanesa Insurance received the highest score in California in the J.D. Power 2022, 2021, and 2020 U.S. Auto Insurance study of customers’ satisfaction with their auto insurance provider. Visit

Please note that this website provides only a summary of condo insurance to generally illustrate how condo insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

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