Pennsylvania Condo Insurance

Often referred to as an HO6 policy, condo insurance in Pennsylvania can protect the walls-in of your unit. That means it protects many of the cherished belongings you keep inside your condo, from your electronics to your clothes. It can protect the walls and anything built-in, like cabinets and bookshelves, from covered perils like a neighbor’s mishap while cooking dinner.

At Clovered, getting a sufficient Pennsylvania condo insurance policy is easier than ever. Simply get an online quote through our intuitive quoting engine, answer a few questions about your property, and we’ll pair you with a policy in minutes that meets your coverage needs and your budget.

☘ Since it’s a walls-in policy, meaning only what’s inside the four walls of a condo are typically covered, an HO6 begins with coverage for personal belongings. This helps to protect items you keep inside your home, such as clothing, computers, furniture and TVs. Since condo owners don’t own the property outside their unit, belongings that are permanently kept outdoors may not be covered.

☘ If a peril occurs that damages or destroys your condo, causing you to temporarily move out, loss of use can help to cover monthly rent at an equivalent home, storage fees, pet boarding and many other expenses you wouldn’t have incurred had you been living in your unit. Since your neighbors may not be as careful as you, loss of use is pivotal in protecting your wellbeing. 

☘ If an accident occurs to a guest in your condo unit and you’re deemed liable, personal liability coverage can step in and help pay for medical bills and legal expenses for major incidents like dog bites, broken bones or even accidental death. For condo owners, personal liability is typically the highest amount of coverage you’ll maintain.

☘ MedPay, as it’s often called, is similar to personal liability in that it covers injuries that occur on your property. But with medical payments coverage, only medical bills for minor injuries will be paid — no matter whether you’re at fault or not.

☘ If the condo’s master HOA policy maximums don’t pay for significant damages or incidents, each owner will have to pay a special assessment. This add-on protects policyholders from paying significant special assessment fees handed down by the condo complex.

☘ Condo insurance is a walls-in policy, so you don’t have to protect the building’s structure. But building property protection protects the walls and interior of your condo unit if they’re damaged or destroyed by a covered peril, which is important since you may have many neighbors.

The average cost of condo insurance in Pennsylvania is about $30 per month. The cost of premiums is below the national average and typically covers a $200,000 condo unit, protects up to $30,000 worth of personal belongings and provides $100,000 worth of liability coverage.

Although the average cost of premiums is simply an average. To get an actual price, simply use Clovered’s online quoting tool and we’ll pair you with a great policy at a great price within minutes! Coverage costs do rely heavily on certain factors like the cost of your condo unit and how much coverage you enroll in.

Clovered’s best-in-class quoting tool and team of licensed agents are here for you 24 hours a day. If you need condo insurance in Pennsylvania, simply input your address in our custom quoting engine, answer a few questions about your property and we’ll have you paired with the perfect policy in minutes.