Condo & Co-Op Insurance

Our expertise lies in meticulously reviewing and evaluating insurance contracts. Tailoring a condo and/or co-op insurance program that perfectly aligns with your requirements. Let our team work with you to get the best insurance rates possible. Contact us today to receive a free personalized quote.

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About Condo & Co-Op Insurance

Owning a condo or a co-op is distinct from owning a standalone home. While these types of properties offer the benefits of homeownership, they also come with shared communal spaces and interconnected living. This dynamic introduces a range of potential risks that require specialized insurance coverage.

Examples of Condo & Co-Op Insurance Coverage:

Condominiums and Cooperative Apartments

Condo / Co-op can be very complex in coverage. What is covered, how is it covered, who covers what? Let us assist you in protecting what matters most.

Personal insurance

While your condo association or co-op board may have insurance, it often only covers the building structure and common areas. Personal condo/co-op insurance ensures your personal belongings inside your unit—like furniture, electronics, and clothing—are covered against perils such as theft, fire, or water damage.

Liability Protection

If someone were to get injured inside your unit, or if you were to accidentally damage a neighbor’s property, you could be held financially responsible. Personal condo/co-op insurance provides liability coverage, helping with potential legal fees and medical expenses.

Master Insurance

This policy covers the areas you share with other owners in your building. Liability and physical damage are both included.

Unit Assessment

This policy provides reimbursement for your portion of an assessment all unit owners must pay in a covered loss.

Water Back-Up

This policy covers damaged property from a back-up of sewer, drains, or pipe burst.

Floater or Endorsement

This is a modification or addition to your insurance policy.

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My family uses TR Insurance agency for many of our insurance needs. The staff is always professional and responsive and knowledgeable. They go above and beyond to assist and do whatever it takes to provide the services that are needed. Thanks to TR Insurance Agency for all of your hard work!

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