Condo & Townhome Insurance Built for
How You Live.
Your HOA master policy may cover the building—but not what's inside your unit.
A condo policy helps protect your belongings, upgrades, and peace of mind.
Protect the life inside the walls.
Condo insurance isn't just about a policy—it's about protecting your upgrades, belongings, income, pets, and peace of mind.
Often protects shared property—not everything inside your unit.
Designed to help close the interior protection gap.
Your HOA Covers
the Building.
You Cover Everything Inside.
HOA master policies are designed to protect the structure and common areas—not your personal property, finishes, upgrades, liability, or assessments. That's where a condo policy comes in.
Interior & Upgrades
Floors, cabinets, fixtures, appliances, and more.
Personal Belongings
Furniture, electronics, clothing, and valuables.
Liability Protection
Covers accidents, injuries, and legal claims.
Loss Assessments
Protection from unexpected HOA financial assessments.
Additional Living Expenses
Pays for temporary housing if your unit is unlivable.
Optional Add-Ons
Water backup, scheduled property, and more.
Condo Insurance Explained
A condo policy is built specifically for condo and townhome owners. It protects the interior of your unit and everything in it.
- Required by most mortgage lenders and HOA bylaws
- Covers your personal property and interior improvements
- Liability protection if someone is injured in your unit
- Helps cover assessments your HOA may charge
- More affordable than homeowners insurance
More Coverage.
More Savings.
Bundling your condo insurance with other policies can save you money and simplify your protection.
Bundle My Policies & Save→
Auto Insurance
Save more when you bundle auto + condo.
Homeowners Insurance
Extra liability protection for added peace of mind.
Pet Insurance
We offer FETCH Pet Insurance exclusively.
Because They Deserve Protection Too.
E&S Insurance Group is proud to offer FETCH Pet Insurance exclusively. Help protect your pet—and your wallet—from unexpected vet bills.
Frequently Asked Questions
No. The HOA master policy generally covers the building and shared areas. Your furniture, clothing, electronics, and other personal items are yours to insure.
Most condo policies in Ohio run a fraction of a homeowners policy because you are only insuring the interior and your belongings. We shop several carriers to find your lowest rate.
Renting it out changes the coverage you need. Tell us how often you rent and we will place you on a landlord or rental-friendly policy instead.
Most mortgage lenders and many HOA bylaws require it. Even when it is not required, it is the only thing protecting the inside of your unit.
Yes, most policies include loss assessment coverage, which helps pay your share when the HOA bills owners for a covered loss. Limits vary, so we review them with you.
Usually the same day. Once your policy is bound we can send a certificate or evidence of insurance directly to your lender, HOA, or title company.
Interior finishes and upgrades, personal property, personal liability, loss of use, and loss assessments. Optional add-ons like water backup can be included.
Yes, and it is usually the fastest way to lower both premiums. Many of our carriers offer a multi-policy discount on each policy.
We are independent and place condo coverage with Progressive, Nationwide, Foremost, American Modern, Chubb, and others. See our carriers page for the full list.
Protect What You've Built.We'll Handle the Rest.
Let our local team shop the best carriers so you get the right coverage at the right price.
- Independent Agency Advantage
- Multiple Top-Rated Carriers
- Local, Personalized Service
- Fast Certificates of Insurance