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The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

If you own a condo, you may be confused about what type of Chicago homeowners insurance to purchase. Many condo owners mistakenly believe that they need a basic home insurance policy. However, these policies do not offer adequate coverage when it comes to condos, as the liabilities between owning a home and owning a condo are different.

What is condo insurance?

Condo insurance, also known as an H0-6 policy, is a type of coverage for condo owners that can cover costs of damage done to the interior of their condo as well as some liability protection.

When you live in a condo complex, your condo association is responsible for purchasing insurance that covers the exterior of your property- such as the roof and siding- as well as common areas like pools and hallways. However, their policies do not cover any damage done to the interior of the home.

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Betterments and Improvements
Risk Factor

Any betterments, improvements, alterations, or additions made to your condominium are subject to damage. However, it’s important to make sure they’re covered appropriately.


Be sure to obtain coverage for any betterments, improvements, alterations, and additions made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.

Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Additional Living Expenses
Risk Factor

Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.


Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.

Personal and Family Liability
Risk Factor

You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.


Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Loss Assessment
Risk Factor

If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.


Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.

Physical Damage
Risk Factor

Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.


Be sure your condominium owner, association, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.

What does Illinois condo insurance cover?

Condo insurance typically includes personal property and liability coverage. This means that it can protect you from costs associated with:

  • Plumbing problems like burst or frozen pipes
  • Smoke and fire damage
  • Mold
  • Water damage
  • Injuries sustained by guests in your condo

Are you ready to get the coverage you need? Reliant Agency can help. We are an Illinois insurance agency that helps clients find the right home insurance policies at their price point. Several insurance companies in our network offer affordable condo insurance in Chicago and the surrounding suburbs. We can help you analyze and compare these policies to pick the right one for you.

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