Condo Insurance

The master policy usually begins with your unit’s inside bare walls and covers everything working out, including the walls, what’s inside the walls, the property roof, elevator and lobby. You’re normally responsible for everything inside of your condo, including interior structures and fixtures, such as your bathroom, kitchen, lighting and floors.

Some condo associations have all-in master policies that cover the outside of your building and the structural fixtures inside it. Let a Mercury agent review your condo association master policy today to be sure!

Condo insurance policies don’t normally cover earthquake or flood damage, so you must purchase earthquake and flood insurance separately. These coverages are extremely important. Carefully consider purchasing these additional policies, especially if you live in an area where flooding or earthquakes are common, as they cover the cost of repairing the interior of your condo and replacing your personal belongings.

Condo insurance is not intended to cover home businesses. Your policy does contain a limited amount of protection for property used primarily for business purposes; however, to help protect your business, speak to your Mercury agent about adding a business insurance policy.

Mercury is proud to offer condo insurance in the following states: Arizona, California, Illinois, Georgia, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Coverages may be subject to certain restrictions and limitations. Contact a Mercury Insurance agent to find the right condo coverage that meets your needs.