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Get to know your condo coverage options

Your association may cover damage to the outside of your condo and common areas, but condo insurance ensures the inside is protected as well. Learn more about your condo coverage options below, then contact a local agent to determine what’s right for you.

Coverage Real-life scenario Standard Optional
Personal Property Coverage Pays the replacement cash value of covered personal property that needs to be replaced due to a covered loss. Yes
Liability If a guest is injured while visiting you in your condo, this protects you in the event of a legal claim the person may bring against you. This may include bodily injury, property damage claims, and litigation. Yes
Dwelling You’re responsible for damage to a shared area of the property your condo is in. This will help cover the cost of repairs. Yes
Additional Living Expenses If you’re unable to live in your condo while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months. Yes
Valuable Articles Coverage If you own high-value items such as jewelry, art, collectibles, or camera equipment, consider adding extra coverage to your policy. For as little as a few dollars a month, items are protected for a fraction of what it would cost to replace them. Yes

We offer so many more coverage options at Safeco. Learn more about condominium insurance coverage options below, then connect with a licensed agent near you.

You could save money with Safeco’s condo insurance discounts1

Get the Safeco package deal

Combine your auto policy and Safeco Homeowners Policy into a Safeco Package and save.

Pay less when you pay in full

If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.

Bundle and Save

Save even more with a multiple policy discount when you also add coverage for your auto vehicle.

Common condo insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact a local independent agent to discuss Safeco condo insurance today.

Which part of my condo am I responsible for?

You’re usually responsible for what’s inside your condo unit, including your personal belongings, appliances, light fixtures, bathtub, toilets, sinks, walls, and floors.

Who insures the common areas?

Shared buildings and common areas are usually covered by your condo association master policy.

Do I get a discount for having a burglar alarm?

Yes, we offer a discount for having a burglar alarm.

  1. Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
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