Our insurance covers everything within your condo's walls, from flooring and built-in fixtures to your personal items like furniture, electronics, and clothing.
Liability Coverage
Accidents happen, we get it.
Whether a guest trips and falls or there’s accidental damage to someone else’s property, our liability coverage provides peace of mind, allowing you to enjoy hosting friends and family without the worry of unforeseen costs.
Loss Assessment Coverage
In the event of a loss affecting common areas—like the lobby, roof, or pool—your condo association may levy a special assessment to cover repair costs.
Our coverage protects you against these unexpected expenses, ensuring you’re not left bearing the financial burden.
Customizable Coverage Options
With customizable coverage options, you can tailor your policy to fit your specific requirements.
Our flexible plans allow you to build a policy that aligns perfectly with your lifestyle and priorities.
Affordable Condo Insurance in gig harbor
Don’t leave your condo unprotected.
Give us a call and discover the peace of mind that comes with knowing your home is fully covered.
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Step 1
Reach Out to Us
Contact us via phone, email, or our website to schedule a free, no-obligation consultation.
Step 2
Review Your Customized Quote
Receive recommended plans tailored to your specific needs.
Step 3
Select Your Plan
Choose the insurance solutions that best fit your requirements and enjoy peace of mind knowing you're protected.
Step 4
Ongoing Support
We offer ongoing support and proactive advice, adjusting your coverage as your circumstances evolve.
Frequently Asked Questions
Can’t find the answer you’re looking for? Reach out to our customer support team.
What is condo insurance, and why do I need it?
Condo insurance, also known as HO-6 insurance, provides coverage for your personal belongings, interior unit features, liability, and additional living expenses. It complements the condo association’s master policy, which typically covers the building’s structure and common areas.
What does condo insurance typically cover?
Condo insurance covers personal property, interior unit improvements (like flooring and fixtures), liability protection, and additional living expenses if your unit becomes uninhabitable due to a covered event.
How is condo insurance different from homeowners insurance?
Condo insurance covers the interior of your unit and personal belongings, while homeowners insurance covers the entire structure of a standalone home. Condo owners share responsibility for common areas, which are usually covered by the condo association's master policy.
What factors affect the cost of condo insurance?
Factors include the value of your personal property, coverage limits, the location of your condo, building characteristics, and any additional endorsements. We work with you to find competitive rates that fit your needs.
Does condo insurance cover damage from natural disasters?
Standard condo insurance covers certain natural disasters like windstorms and hail, but may not include events like floods or earthquakes. We offer additional coverage options to protect against these risks.
How does condo insurance handle liability claims?
Liability coverage protects you if someone is injured in your condo or if you unintentionally damage someone else's property. It covers legal fees, medical expenses, and potential settlements up to your policy limit.
What should I do if I need to file a condo insurance claim?
Contact us immediately if you need to file a claim. We’ll guide you through the process, assisting with documentation and facilitating communication with the insurance provider to ensure a smooth resolution.
Can I get a discount on condo insurance?
Yes, discounts may be available for security systems, smoke detectors, bundling policies, and maintaining a claims-free history. Ask us about potential savings on your policy.
Why choose Troy Johnson Insurance for my condo coverage?
As part of the local community, we offer personalized service, local expertise, and a commitment to understanding your unique needs. Trust us to provide comprehensive protection with a personal touch.
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