Pennsylvania Condo Insurance

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  • Pennsylvania Condo Insurance

From the banks of Lake Erie to the booming downtown meccas of Pittsburgh, Philadelphia and every square inch of the lush green, rolling hilled state of Pennsylvania, there’s really no bad place in the state to pick a condo location. Whether you want to live on the outskirts of Allegheny National Forest or downtown in one of the state’s amazing cities, securing your condo unit with adequate Pennsylvania condo insurance is the key to protecting your investment.

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.

What Does Condo Insurance in Pennsylvania Cover?

Personal Property

☘ 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.

Loss of Use

☘ 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. 

Personal Liability

☘ 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.

Medical Payments

☘ 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.

Loss Assessment

☘ 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.

Building Property Protection

☘ 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.

How Much Is Condo Insurance in Pennsylvania?

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.

How to Get the Best Condo Insurance in Pennsylvania for Cheap

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.

A Simpler Way to Get Condo Insurance

Protect everything your condo association doesn't with a custom condo insurance policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.