Walls-in coverage that fills the gap your HOA master policy leaves open.
Your condo association's master policy covers the building's structure and common areas. It does not cover what is inside your unit, your improvements, your liability, or your share of a special assessment after a building-wide loss. Condo insurance (an HO-6 policy) does.
We size two things carefully: the dwelling (or Coverage A) limit, which has to match the difference between what the master policy covers and what your unit's walls, cabinetry, flooring, and fixtures actually cost to rebuild, and the loss assessment limit, which covers your share if the association levies a special assessment for damages.
Virginia condo masters often run with high deductibles. We make sure your policy covers what the master's deductible leaves on your side.
Send us your current declarations pages. We read them line by line and build your quote against the coverage you should actually have.
Mon–Thu 8:30am–5:30pm · Fri 9:00am–5:00pm