Cobertura de seguro para condominios

condo insurance coverages
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What Does Condo Insurance Cover?

What Does Condo Insurance Cover?

You work hard to make your condo unique so it feels like home. That’s why it’s important to make sure your home is protected. Having the right condo insurance coverage can help protect your condo and all your important belongings inside it. We’re here to help you get the coverage you need. Start by getting a quote through the AARP® Home Insurance Program from The Hartford.1
Check out some of the most popular condo insurance options we have to protect your condo. If you need help determining what condo insurance covers, our experts are here to answer your questions.
qué son las coberturas de seguro de viviendas

Seguro de viviendas de AARP 101

Conozca más sobre el Programa de seguros para viviendas de AARP de The Hartford en este video.
cobertura de seguro para condominios

Types of Condo Insurance Coverages

We’ve teamed up with AARP to offer you condo insurance coverage that helps protect your condo and your personal property. Our policies can even help cover medical expenses if someone gets injured on your property, legal bills if someone sues you for damages, or temporary living expenses if you’re forced from your home due to a covered loss.
You can start a condo insurance quote online right now. Then, one of our agents will contact you to explain the types of coverage available and help you choose the right insurance policy based on your condo and your needs. Puede también bundle your condo and auto insurance to save time and money.

Dwelling Coverage for Condos

Dwelling coverage for condos helps protect the things you’re responsible for in your condo. This includes any alterations or improvements you’ve made, along with your appliances and fixtures. So, if the plumbing in your bathroom leaks and damages your new flooring, dwelling coverage can help cover the repair costs. Keep in mind that most policies do not cover flood or earthquake damage, but you can buy that coverage separately if you need it.
Tip: Be sure to choose the right amount of coverage. You’ll need enough to cover the cost of any part of the structure you’re responsible for. If you’re not sure which parts of your condo you’re responsible for, you should check your property owner’s association agreement.

Condo Insurance for Personal Property

Condo insurance for personal property helps protect your personal belongings, such as your furniture, clothing and appliances, with certain limitations and exclusions. If your condo is struck by lightning, for example, personal property coverage can help cover the cost to replace your damaged items.

Cobertura de pérdida de uso

Loss of use coverage helps pay your living expenses, up to your policy limits, if you can’t live in your condo for some time after a covered loss, like a fire.

Cobertura de gastos médicos

Medical payments coverage can help pay emergency medical bills if someone gets hurt on your property. It can also help cover any injury that your family member or pet causes, no matter where that injury happens.
If a guest at your house falls down the stairs and breaks their arm, your medical payments coverage can help pay their medical bills whether you’re legally responsible or not.2

Cobertura por responsabilidad civil

If someone sues you, personal liability coverage can help cover your legal defense and any court judgments against you.
For example, if a guest in your home sues you because they tripped and broke their ankle, this coverage can help cover legal defense fees.

Condo Flood Insurance

Natural disasters, like a flood, can strike when you least expect it. You don’t need to live close to the coast or a river to experience flood damage. Even low-risk areas can flood from large storms, construction run-offs or bad drainage systems. Our optional  seguro contra inundaciones policy can help protect your condo and belongings if they’re damaged in a flood.

Umbrella Insurance for Condos

Sometimes, your standard condo insurance coverage isn’t enough. Umbrella insurance can help protect you and your family from devastating financial problems if the cost of a covered loss is more than the limits on your policy. To buy umbrella coverage, you must also have seguro para automóviles with The Hartford. (Availability varies by state.)


Optional Types of Condo Insurance Coverages

If you want extra protection for your condo and belongings, we make it easy to add extra coverages to your policy, including:

'New for Old' Coverage

If your possessions are damaged or destroyed, many policies will only pay you what they were worth right before it happened, which can be much less than the cost to replace it. “New for Old” protection, also known as personal property replacement cost, pays the actual cost to replace your possessions with brand new items, no matter how old they were.

Valuable Items Blanket Coverage

If you have valuable items, like art or jewelry, your standard condo insurance may not provide enough protection for them. This coverage can increase your policy’s limit to $10,000 of coverage per valuable item. It also extends your coverage for lost or damaged valuables as well.

Scheduled Personal Property Coverage

If you have expensive or valuable items, your standard condo policy may not fully protect them. This coverage gives you an extra layer of protection for certain items if they’re damaged or destroyed.

Check Out These Popular Coverage Options

The AARP Home Insurance Program from The Hartford also offers these popular coverages and features on top of your standard condo policy.
Personal injury liability coverage to help cover damages if someone sues you for libel or slander.
Reimbursement for replacing locks if your keys are ever lost or stolen. There is a coverage limit up to $500 with a $100 deductible.
Disappearing property deductible‡‡ to reward you by lowering your property deductible over time once you reach three years with no insurance losses.
Equipment breakdown coverage provides additional protection for common home appliances, furnaces and HVAC systems in case of electrical or mechanical breakdown. But keep in mind that equipment breakdown insurance doesn’t cover normal wear and tear.
Identity fraud expense coverage to help cover lost income and legal fees to restore your identity after fraud or identity theft (see your policy for limits).
ProtectorPLUS Zero Deductible Benefit coverage to help waive your condo insurance deductible (up to $5,000) if your condo is severely damaged by a qualifying loss of $27,500 or more. This coverage doesn’t apply to special deductibles for hurricanes, earthquakes, coal mine subsidence, special wind/hail or optional special theft.

Additional Condo Insurance Coverages

Green rebuilding increases your policy limits up to 10% when you use environmentally friendly materials or green processes to rebuild after a covered loss. For example, if a room in your home is damaged and you repaint it with environmentally friendly paint.
Valuable items “blanket” coverage offers an easy way to help protect valuable items without extra paperwork or appraisals. This can include jewelry, silverware, fine art, musical instruments and cameras.
Water backup and sump pump overflow to help cover property damage from sewer backups and sump pump overflows. Damage caused by flooding or surface water are not covered.
At The Hartford, we understand that many condo owners have unique insurance needs. If you do, you should consider these additional condo insurance coverages.

HOA and Condo Associations Coverage

When you buy a condo, it’s important to understand what’s already covered by your homeowners association or condo association’s insurance. This is usually called the master policy, and it may help protect your roof, shared spaces, hallways, common rooms, gyms and pool areas.
In some cases, the condo association’s Master Policy may also help protect the structure of your own condo unit, including the bare walls, floors and ceiling.3 Other master policies might cover your unit's original construction, as it was built, with standard fixtures, but not any changes you’ve made since.
In the event of a covered loss that your Master Policy pays, you will still have to pay your Master Policy deductible or any excess loss that is beyond your policy’s limits. This is called loss assessment.
With optional loss assessment coverage, if a fire destroys a shared area of your condo’s complex, like the lobby, this can help pay your loss assessment from the association, such as your share of their deductible or damages that exceed your Master Policy limit.

Recursos útiles

Más información

‡‡ Terms and conditions apply.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.