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CONDOMINIUM AND TOWNHOUSE INSURANCE

While your condo association has its own insurance, it’s essential that you also have coverage to protect your liabilities and personal belongings, plus any portion of the building you own.

Beautiful four story white and brown condo building surrounded by greenery and protected by Selective Insurance.

One significant benefit of owning a condo is that the association handles the outside maintenance. You get all the same perks as a home without the hassle.

However, you must be aware of what you are and are not responsible for in the event of an accident or mishap inside your home.

At Selective, we partner with your local independent agent to tailor a condo insurance policy unique to your needs.

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What are You Responsible for as a Condo Owner?

Generally, condo owners are responsible for injury and property damage inside their condo, such as loss or damage to personal belongings and other interior property,bodily injury, and more.

How can Condo Insurance from Selective Help Protect You?

Condominium insurance can help protect you against various risks. Typically, condo insurance helps cover:

  • Personal property
  • Incidents within the condo (frozen pipes, plumbing issues, fire, vandalism, burglary, etc.)
  • Bodily injury liability if an individual is hurt on your property
  • Liability coverage for property damage
  • Replacements for essential internal fixtures

Depending on the type of coverage that your condo association already has, you may need more or less of the above. Your independent agent can help you find the right coverage for your needs.


“Excellent customer service, professional and friendly.”

New Jersey Customer

Condominium Insurance Optional Coverage Enhancements

If you would like to increase your protection further, Selective offers optional coverage enhancements, including:

  • Identity Protection – help get your life back on track in the event of identity theft with coverage for legal fees, lost wages, and other out-of-pocket expenses.
  • Home Cyber Protection – coverage for computers, tablets, smartphones, and other connected technology to protect against the damages of cyber-attacks, cyber extortion, online fraud, and more.
Handsome middle-aged man reviewing his Selective insurance policy on his smartphone.

Exclusive Discounts with Selective

With Selective, you may qualify for available condo insurance discounts if you have:

  • A current auto policy with Selective
  • Quoted your policy 15 days before the expiration date
  • Smoke alarms, burglar and fire alarms, automatic sprinkler systems, and all smart home safety and protective devices
  • No claims in the past three years
  • Consistently paid your insurance bill on time

Optional Coverage Enhancements

By having adequate condo insurance coverage in place, you can be confident in knowing your home is protected against various risks. That’s why Selective’s highly personalized insurance experience offers a variety of optional coverage enhancements to further increase your protection.

  • Identity Protection – help get your life back on track in the event of identity theft with coverage for legal fees, lost wages, and other out-of-pocket expenses.
  • Home Cyber Protection – coverage for computers, tablets, smartphones, and other connected technology to protect against the damages of cyber-attack, cyber extortion, online fraud, and more.

Exclusive Discounts with Selective

With Selective, you also enjoy a number of available discounts to help you save even more on your condo or townhome insurance policy.

You may qualify for available discounts if you have:

  • A current auto policy with Selective
  • Quoted your policy 15 days before the expiration date
  • Smoke alarms, burglar and fire alarms, automatic sprinkler systems, and all smart home safety and protective devices
  • No claims in the past three years
  • Consistently paid your insurance bill on time

Contact your local agent to find out what it means to Be Uniquely Insured.

More Individual Insurance Options:

Homeowners Insurance
Auto Insurance
NFIP Insurance – Personal Flood Insurance