Building property (Coverage A)
Cabinets, flooring, fixtures and improvements you own inside the walls, sized to match your bylaws.
Personal lines
Condo insurance
HO-6 coverage that fills the gap between your association's master policy and what you actually own.
Sample: $41/mo14 carriers shoppedNo agency fee
Overview
What condo insurance is really for
Every condo owner we meet has the same question: where does the association's policy stop and mine start? The answer lives in your declarations and bylaws, and it is the first thing we read before quoting.
Downtown Kansas City lofts, Plaza-area buildings and suburban townhome associations all draw that line in different places. Getting it wrong means either paying twice or discovering a $30,000 gap after a burst pipe.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Personal property
Everything that is not attached, on replacement cost terms.
Loss assessment
Your share when the association's deductible or an uncovered loss is assessed to unit owners. We usually recommend at least $25,000.
Personal liability
Injuries in your unit and damage you cause to neighboring units.
Loss of use
Living costs while your unit is repaired.
Water backup
Essential in stacked construction where a single clogged line affects several floors.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Send the master policy
We read the declarations and bylaws so we know whether you have all-in, bare-walls or something in between.
- 2
Size Coverage A
We estimate the cost to rebuild the interior finishes you are responsible for.
- 3
Set loss assessment
We look at your association's deductible and reserve position and size the endorsement to it.
- 4
Bind and file
We send proof of coverage to your association manager and lender on the same day.
Why clients choose us for this
- Bylaws read by a licensed agent, not skimmed
- Loss assessment sized to the association's actual deductible
- Water backup included by default in stacked buildings
- Coordinates cleanly with a bundled auto policy
What moves the price
- Association agreement type
- All-in, single-entity or bare-walls coverage changes how much Coverage A you need.
- Interior finish level
- Quartz, custom cabinetry and hardwood raise the rebuild cost of the unit interior.
- Building age and systems
- Plumbing type and age drive water claim frequency, which drives price.
- Loss assessment limit
- Higher limits cost little and protect you from special assessments after a large building claim.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Renters insuranceBelongings, liability and temporary living costs for apartments and rental houses, often for less than a streaming bundle.
Home insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.
Umbrella insuranceAn extra million or more of liability sitting above your auto and home policies, for surprisingly little.Condo insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
The association insures the structure only to the unfinished surface of the walls, floors and ceilings. Everything inward, including drywall finish, flooring and cabinets, is yours to insure.
If the building suffers a large loss, the association's deductible or any shortfall can be divided among owners. Loss assessment coverage pays your share up to the limit you choose.
It depends entirely on the bylaws. Limited common elements are a frequent source of surprise, which is why we read the document before quoting.
Upper-floor units rarely need it, ground-floor and garden-level units often do. Flood is a separate policy and we can quote it through the NFIP or a private market.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.