Skip to ContentSkip to Footer

Help! I Have Condo and HOA Insurance. What’s the Difference?

Photo by RODNAE Productions

If you live in a condo or townhouse, you might have heard of both condo insurance and HOA insurance. But what’s the difference between the two? Here’s a simple explanation.

HOA insurance covers the building. HOA stands for Homeowners Association, and the HOA insurance covers the outside of the building, the common areas like the hallways, pools, and courtyards, and the roof (especially important in the Denver area!). This insurance is usually paid for by the HOA and is meant to protect the building and everyone who lives there.

Condo insurance covers your personal belongings, like your furniture and clothes, as well as any upgrades you might have made to your condo, and fixtures. This insurance is usually paid for by you, the condo owner.

So, the main difference between condo insurance and HOA insurance is what they cover. HOA insurance covers the building, while condo insurance covers your personal stuff. It’s important to have both types of insurance to make sure you’re fully protected.

And remember, when you’re choosing condo insurance, make sure you get enough coverage to protect all of your things. If you have expensive furniture or jewelry, you might need to get more coverage or a separate policy to make sure you’re protected.

By understanding the difference between condo insurance and HOA insurance, you can make sure you have the right coverage to protect your home and your things. And, as always, don’t hesitate to ask us if you have any questions–we’re here to help you!

Get A Quote

This field is for validation purposes and should be left unchanged.

Customer Reviews

Five stars!

Anna-Lee Marie
Anna-Lee M

Best place to buy insurance for ANY reason.

Alexander Dunhill
Alexander D

...always so quick to respond!

Alisha Walker
Alisha W

Service is always prompt.

Mike S.
Mike S

...we highly recommend them for your insurance needs.

Jan B.
Jan B