Condo Insurance

tree in front of condo

Condo insurance protects you when your HOA won't. Your condo or home owners associaton carries a master policy that insures the building and common areas, but does not protect the belongings within your condo that mean the most to you. Our team of professional agents at MIAFs are passionate about finding a plan that aligns with your condo insurance needs.

Is Condo Insurance Required?

Similiar to homeowners insurance, mortgage companies generally require a plan to protect their financial interest. However once your mortgage is paid off, it doesn't mean you're off the hook. Many condo and home owners associations require insurance throughout the length of ownership.

What Does It Cover?

Generally, individual condo insurance policies cover many possible losses including:

  • Personal property:This part of the policy will cover the repair or replacement of clothing, electronic, furniture, and other personal belongings in the event of a loss.
  • Dwelling: Your dwelling may need to be covered if it is not included on the master policy of your home owners or condo association. This will cover structures within your condo including light fixtures, cabinets, flooring, cabinets, and more.
  • Living expenses: Being one of the most common aspects of condo insurance, this will cover living expenses, hotel bills, and other expenses in the event that damage lables your unit as unhabitable.
  • Liability: Personal condo insurance can cover medical bills and other expenses caused liability issues such as dog bites, falls, or other problems if you are sued.

At MI Choice Insurance, we are here to make your experience with insurance informative, all while customizing a plan tailored to your unique needs. To learn more about condo insurance plans, contact our team today!

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Our Discounts

  • Safety Course Discount: Up to 10%
  • Multi-Vehicle Discount: Up to 25%
  • Prior Insurance Discount: Up to 21%
  • Advance Purchase Discount: Up to 10%
  • Paid in Full Discount: Up to 17%
  • Multi-Policy Discount: Up to 20%
  • Safety Equipment/Recovery Devices Discount: Up to 10%
  • Locked Storage/Garaging Discount: Up to 5%
  • Loyalty/Claim Free Renewal Discount: Up to 10%
  • Home Ownership – Up to 25%
  • And More!