Condo insurance made for you

Protection that fits how you live — reliable coverage for shared walls and personal spaces.

Why you'll love Kin

You get more than coverage — you get a team that follows through.

Here to help

We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online in your Customer Portal.

5-star care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

Protect your home from disasters big and small

The policies we offer can be customized to cover your property's top risks.

Hurricanes & tropical storms
Wind & hail damage
Tornadoes
Wildfires
Floods
Sinkholes
Theft
Vandalism
Water damage

What does condo insurance cover?

Built for homes like yours. Rest easy knowing your coverage protects what matters most.

for the actual structure of your home, inside and out.

for your personal belongings that make your house a home.

for additional living expenses when a covered loss forces you to temporarily relocate.

if you accidentally cause someone bodily injury or property damage.

if a guest is injured on your property.

Common questions about condo insurance

What is condo insurance?

Condo insurance, technically called an HO-6 policy, covers your unit’s interior from the walls in, which includes your personal property. (For that reason, it’s sometimes referred to as “walls-in” or “paint-in” coverage.) Unlike single-family homeowners who must insure their home’s entire structure, you’re only responsible for insuring the interior. Your condo association’s master insurance policy covers your unit’s exterior and the common areas.

What determines how much condo insurance costs?

Several variables will determine how much you’ll pay for condo insurance (referred to as your premium). Common factors include:

• Location. Areas prone to natural disasters or with higher crime rates generally have higher premiums.
• Building structure and age. Older buildings or those with outdated systems may be more expensive to insure.
• Coverage limits. Higher limits for dwelling, liability, or personal property coverage will increase your premium.
• Deductible amount. Choosing a lower deductible means higher premiums, while a higher deductible can reduce costs.
• Claims history. If you or your building has a history of claims, insurers may charge more.
• Type of construction. Fire-resistant or reinforced materials can reduce your insurance costs.
• HOA master policy coverage. The more your homeowners association covers, the less individual coverage you may need.
• Security features. Gated access, alarm systems, or on-site security may help lower your premium.
• Personal property value. More valuable belongings require higher coverage, raising costs.
• Liability risk. If you host guests often or have high-risk features (like a pet or balcony), your premium may be higher.

How much condo insurance do I need?

How much condo insurance you need depends on your specific home, but there are some general guidelines you can follow:

• Dwelling coverage. A smart approach is to secure enough condo insurance to cover the replacement of interior finishes, such as cabinets, plumbing and lighting fixtures, and floor coverings, in the event of damage from a covered loss.
• Personal property. Insurance policies often default to 50% of your dwelling coverage limit for the belongings inside your home, but you can choose more coverage if you think you need it.
• Personal liability. Insurers commonly recommend $300,000 in personal liability coverage, which can protect you from legal costs and expenses if you get sued for an incident that occurs inside your home.
• Medical payments. Policies often include $1,000 to $5,000 in coverage to handle medical bills if someone gets injured inside your condo, but you can opt for more.
• Loss of use. If your condo gets damaged by a covered peril and you need to move out for repairs, loss of use insurance can help cover your living expenses. Insurers often set this coverage at 20% of your dwelling limit.

What does condo insurance not cover?

An individual homeowner’s condo insurance policy typically does not cover:

• Other structures: Your HOA's master policy will cover shared structures on the grounds like fences.
• The entire building: The master policy is responsible for the building's exterior.
• Certain hazards: Like earthquakes, floods, demolition to bring the home up to code, and seizure or demolition by the government.
• Condo building owners: Your policy won’t cover the liability or property of the building’s association.
• Certain structures: Like single-family detached homes and mobile homes.

What additional coverages should condo owners consider?

Condo owners should consider some of the following additional insurance types to protect their homes:

• Windstorm insurance. Some insurers don’t cover windstorm damage as a standard part of condo insurance in certain parts of the country. If you don’t have windstorm insurance, you may want to buy it to protect your condo from storms.
• Flood insurance. Condo insurance does not cover damage caused by external flooding and rising waters. You can typically purchase a flood insurance endorsement or a separate policy.
• Earthquake insurance. To get covered for earthquakes, you need to purchase earthquake insurance as an endorsement or a standalone policy.
• Sinkhole insurance. Some states, like Florida, are at risk for sudden land collapses called sinkholes. You can add sinkhole insurance to your existing policy as an endorsement.
• Water backup insurance. Adding this endorsement to your policy can protect your condo from damage when water backs up into your condo.

Is condo insurance required?

Condo insurance is not a legal requirement anywhere in the country. But your lender may require you to get and maintain condo insurance while you have a mortgage, and your condo association also may require it as part of your agreement.

Does condo insurance cover common spaces?

No. Your condo association's master insurance policy should cover the building exterior, other structures, and common areas — most things outside your condo unit's walls.

How is condo insurance different from homeowners insurance?

Homeowners insurance must cover the entire structure of the home inside and out. On the other hand, because condo insurance has help from the HOA’s master policy, it only needs to cover the interior of the home. This usually means that condo insurance is much less expensive than homeowners insurance.

What does my condo association’s master insurance policy cover?

Your HOA fees help pay for a master insurance policy that covers your building’s exterior. There are three types of condo master insurance policies:

• Bare walls coverage: This is the most bare bones master policy. It only covers the building (its exterior, roofing, framing, wiring, insulation, and drywall) and common areas.
• Single entity coverage: This covers everything a bare walls policy does, plus built-in fixtures in individual units.
• All-in coverage: This is the policy with the most protection. It covers the structure, common areas, and built-in fixtures, plus individual unit additions and improvements.

What states does Kin offer condo insurance in?

Kin offers condo insurance in Florida.

Explore coverage for other property types

• Home Insurance
• Landlord Insurance
• Mobile Home Insurance
• Flood Insurance

Get more answers

What is HO-6 insurance?
Home insurance vs. condo insurance: What’s the difference?
How much does condo insurance cost?

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