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Condo Insurance Coverage

Protect your home with reliable and affordable condo insurance coverage from 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.

What is condo insurance?

Wawanesa’s condo insurance covers loss or damage to the interior of your unit, typically what you own and not covered by your association’s master policy. For example, the cabinets, floors, countertops, and any improvements you’ve made to the inside of your place. A condo insurance policy also covers the personal belongings inside the unit and offers personal liability protection and medical payments to others if accidently injured on your property.

A basic Wawanesa condo insurance policy includes:

Dwelling Coverage

Covers items within your unit that are 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 of your home because it’s uninhabitable 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 coverage for minor medical claims if a guest is injured in your home.

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 Coverages

Additional coverages are available that allow you to customize your condo insurance coverage to fit your unique needs. You can increase coverage limits for loss assessment, personal property, scheduled property, and more.

Learn more about the condo insurance coverage offered in your state.

California Condo Coverages

Affordable Condo Insurance Coverage by Wawanesa

The master policy that most condo associations carry covers the building's exterior structure and common areas. The condo owner is responsible for insuring their unit’s interior such, which includes the kitchen and bathroom cabinets, counter tops, fixtures and your personal belongings like electronics, jewelry, appliances, and more.

Get a Condo Insurance Quote

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.

Condo Insurance Discounts

Wawanesa offers a selection of discounts that will reduce your condo insurance premium even more.

Multi-Policy Discount

Bundle auto and condo insurance policies.

Age Discount

If you or your spouse is 50 years or older.

Non-Smokers Discount

Applied when no smokers live in the condo unit.

Home Protection Device Discount

If your condo is equipped with fire or smoke alarms.

Sprinkler System Discount

If your condo has an automatic sprinkler system installed.

These are just a sampling of available discounts. Discover all the discounts Wawanesa offers.

Condo Insurance Discount

Optional Condo Insurance Coverages

A basic condo insurance policy offers the following coverages: the dwelling, your personal property, loss of use, your personal liability, and medical payments to others.

Listed here are a few optional coverages that allow you to customize your policy to meet your individual coverage needs:

  • Increased limits for scheduled personal property
    Offers more protection on certain items of value, including jewelry, furs, silverware, sports equipment, fine art, coins, and other items.
  • Credit Card, Electronic Fund Transfer Card or Access Device Forgery and Counterfeit Money
    This coverage increases the 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.

Find out what optional coverages are available in your state.

California Condo Coverages

Understand Your Condo Insurance Coverage

To help you better understand your condo insurance coverage, we’ve provided some basic terminology typically included in your insurance policy:


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

Covered Loss

The events that your insurance company agrees you’ll be reimbursed for should you file a claim.

Dwelling Coverage

In condo insurance this coverage would cover items within your unit not the structure of the home.


The amount of the covered loss you are responsible for paying out of pocket.

Effective Date

The date your insurance policy begins.


Items or events not covered by the insurance policy.

Loss of Use

Coverage that helps pay for temporary accommodation after a covered loss.


The highest amount your insurance company will pay for a covered claim.


The contract between the insurance company and the policyholder.

Policy Period

The length of the policy contract. Wawanesa condo insurance policies are 12 months long.

Personal Liability

Coverage that helps pay for bodily injury claims and property damage sustained by others if you’re responsible.

Personal Property

Covers your belongings such as, jewelry, furniture, clothing, and electronics, if damaged or stolen.

Scheduled Property

Supplemental insurance that extends coverage of expensive items like jewelry.

Medical Payments to Others

Covers minor injuries sustained by others in your home.

Find Your State’s Condo Insurance

Wawanesa covers all the bases when it comes to 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. Discounts vary by state.

See the available coverage options in your state.

California Coverages

Frequently Asked Questions About Condo Insurance Coverage

How much condo insurance do I need?

The amount of condo insurance you’ll need depends on a variety of factors, including the dwelling, the amount of personal property you own, and the liability limits you’re comfortable with:

  • Dwelling: This covers the items not covered by the association’s master policy. Consider how much coverage is needed to cover any improvements you’ve made inside the unit (e.g., flooring, cabinets, and countertops, etc.)
  • Personal Property: To figure out how much of this coverage you’ll need, do a complete inventory to establish the value of all your possessions. You can also buy additional coverage for expensive and valuable items if need be.
  • Liability: Consider a limit that will protect your assets in case you ever need to cover damages caused to others’ property or bodily injury claims.
What does a typical condo policy cover?

A typical condo insurance policy covers the dwelling or unit (usually the inside and items not covered by your association’s master policy), your personal property, loss of use, your personal liability, and medical payments to others. Wawanesa also offers optional coverages that allow you to tailor your policy to fit your needs.

See what coverages are available in your state:

What’s the difference between condo insurance and homeowners insurance?
Condo insurance covers only the items owned by you inside the condo unit. This includes the floors, walls, cabinets, any improvements you’ve made to the unit, and your personal belongings, like clothing, appliances, and furniture. Whereas a homeowners policy covers both the inside and outside of the home, including additional structures such as garages, basements, and sheds.
Does condo insurance vary from state to state?

Yes, condo insurance rates and coverages vary by state due to differences in regulations and claims costs in each state. Refer to your condo association’s master policy to help determine what is not covered and do an inventory of your personal belongings to see how much coverage you’ll need to purchase to cover the items you own.

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


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.

Get a Quote Today