Condo Insurance
Condo Insurance That Covers What Your HOA Doesn't
Owning a condo comes with unique coverage needs—your HOA might cover the building, but it’s up to you to protect what’s inside. At NestGuard Insurance, we offer tailored condo insurance that fills the gaps, safeguarding your belongings, personal liability, and any interior upgrades you've made.
Whether you're in downtown Denver or a quiet Colorado community, we’ll make sure your condo feels like home—fully protected, fully yours.
Frequently Asked Questions
What does condo insurance cover that my HOA doesn't?
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While your master HOA policy typically covers the building exterior and shared areas, your condo insurance protects the interior of your unit, such as walls, floors, and fixtures. Your condo policy also protects your personal property and provides liability coverage if someone is injured in your unit.
Does condo insurance cover water damage?
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It depends on the cause. If the damage is sudden and accidental such as a burst pipe inside your unit, it’s typically covered (if you have the water endorsement). However, water damage from flooding or poor maintenance is typically excluded unless you have separate flood insurance.
How do I know how much coverage I need?
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An insurance agent can help you determine the right amount of coverage based on your specific situation. A good place to start is by reviewing your HOA’s master policy to understand what is covered and then assess the value of your personal property and upgrades and renovations.
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