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California Condo Insurance Discounts

Save even more on affordable condo insurance coverage with discounts offered by Wawanesa

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.

Saving on Condo Insurance in California

Saving on affordable condo insurance from Wawanesa is easy. Find out which discounts are available for California condo owners.

Types of California Condo Insurance Discounts

California condo owners can receive multiple insurance discounts that result in even bigger savings on their condo insurance. Check out the list below.

Multi-Policy Discount[1]

This discount couldn’t be easier to receive. Just keep your Wawanesa auto policy active and bundle it with your condo insurance to see significant premium savings.

Home Protection Device Discount

You’ll qualify for this California condo insurance discount if your condo unit is equipped with one or more of the items listed here. Your savings will increase with each tier you have.

  • Tier one: Have a fire or smoke alarm installed in your unit.
  • Tier two: Have a fire or smoke alarm, dead bolt locks, and fire extinguishers installed in your unit.
  • Tier three: Have a fire alarm and/or a complete burglar alarm reporting directly to the Fire or Police Dept., or a Central Monitoring Station.

Non-Smokers Discount

If no one in your household smokes, you’ll qualify for this money-saving Californian discount. The non-smokers discount is truly a win-win as it benefits your wallet and your health.

Age of Homeowner Discount

Getting older does have its benefits — one of which is to receive a discount on your condo insurance. If you or your spouse is 50 or older, you’ll quality to get a reduction on your premium.

Sprinkler System Discount

If your condo unit is equipped with automatic sprinklers, you could be eligible for a discount. Sprinklers can be either “full” when they’re located in all rooms in the unit, or “partial” where they’re only present in certain rooms.

Water Alarm Discount

You’ll qualify for the water alarm discount if your California condo unit is equipped with a professionally installed water leak detection device with an automatic shut-off valve.

Claims-Free Discount

If you haven’t had any claims after your first year with Wawanesa, you’ll qualify for the claims free discount. Plus, the longer you stay and go without a claim, the more you’ll save.

Loyalty Discount

Another easy discount to qualify for. Once you’re a policyholder, after you celebrate your first anniversary with Wawanesa, the loyalty discount will be automatically applied. And even better — as the years add up, your savings will grow.

Discounted California Condo Insurance with Wawanesa

Wawanesa covers all the bases when it comes to California condo insurance. You’ll find coverages to fit your needs and discounts to fit your budget. File claims 24/7 and look forward to easy claim handling and award-winning customer service.[2]

Frequently Asked Questions About Condo Insurance Discounts

Does Wawanesa offer condo insurance discounts in California?
Yes, we offer several discounts to help you save on your California condo insurance. See if you qualify for discounts such as the multi-policy when you bundle condo with your auto policy, the home protection device, non-smokers, and others.[1]
How do I ask for condo insurance discounts?
Asking for condo insurance discounts is simple. Simply call 800-640-2920 to speak with one of our helpful agents who can let you know which discounts you’re eligible for.
How do I get the best condo insurance rates in California?
There are several factors involved in getting the best condo insurance rates in California. First, understand what’s covered under the condo association’s master policy. Then, do a complete inventory of all your belongings inside the unit. That includes any upgrades you have done to the inside of the unit (e.g., cabinets, floors), and other personal belongings such as appliances, furniture, electronics, books, etc. If you have expensive items like furs or jewelry, have them appraised so you know how much extra coverage to buy. Then, look into the additional optional coverages that are available to you so you can be sure you’ve got enough insurance coverage.
Who qualifies for condo insurance discounts?
Anyone who buys a condo insurance policy can qualify for discounts if they meet the requirements. For example, if you and your other household members are non-smokers, you’ll receive the non-smoking discount. But there are multiple discounts you could be eligible for.

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 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 condo policy, please call us at 800-640-2920.
  2. 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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