Condo insurance

Get a condo1 insurance quote today to help protect your condo from fire, theft, and other covered causes of loss. Plus save money when you bundle a condo and car insurance policy with State Farm®.2
A young woman reclines with a drink in her hand on her charcoal grey sofa.

Condo insurance that fits your needs

A son rides on his father’s shoulders in their condo.

Condo coverages

When it comes to condominium1 insurance, you’ve got plenty of coverage options.
Condo insurance coverages
Content with his condo discount, a man reclines in his chair while strumming a ukulele.

Condo discounts

With numerous ways to save, State Farm can help keep more money in your pocket.

Condo insurance discounts
A woman in a black sweater checks the status of her claim on on her ipad.

Condo claims

Filing a condo claim with State Farm is fast and easy — even when you go digital.

Learn about condominium claims

Bundle and save up to $1,2733

Save time, money and hassle by choosing to bundle the purchase of a condo, homeowners, renters, or life insurance policy with car insurance.2
A woman in a periwinkle pullover hands a red bag of groceries to her spouse.

Do I need H06 condo unit insurance?

Your condo association likely won’t insure your unit or the personal property inside. The association’s insurance typically focuses on the exterior building structure and common areas. A State Farm agent can help you choose the most appropriate protection plan for your condominium unit.

What do I need to get a condo insurance quote?

We can start the quote process with things you already know. It may take less than 10 minutes.

What to expect

  1. Provide your name, address, date of birth and coverage start date

  2. We’ll search public records so you might not need to fill in the details of your condo

  3. You confirm it’s your information

  4. From there, more specific condo and personal information will better help determine your coverage options, deductible and policy cost4

Occupancy information

  • Number of people living in the residence full time

  • Is the condo unit your primary home?

  • If the unit is seasonal/secondary, the number of weeks occupied

  • Value of the personal property you wish to insure

Your insurance history

  • Any claims for insured losses you’ve made in the past 5 years

  • The name of your most recent property insurance carrier

  • Dates of when you last had coverage

Safety features you have and other factors

  • Burglar alarms

  • Fire alarms

  • Sprinkler systems

  • What’s the distance to the nearest fire service?

  • How accessible is your condo to fire service?

  • Is your condo outside the city limits of the city closest to you?

Ting page displayed on mobile phone next to Ting outlet plug-in.
State Farm logo and Ting logo

Protect your place from electrical fires

State Farm and Ting could help you prevent electrical fires before they happen — for free.

Explore Ting
Ting page displayed on mobile phone next to Ting outlet plug-in.

Frequently asked questions about condo insurance


Most likely, your condominium association won’t insure your unit or the personal property inside. The association’s insurance generally provides coverage for the condo’s exterior building structure and the common areas.


Bundling the purchase of your condo and auto policies isn’t the only way you can save money. From home security devices to a claim-free history, we’ve got options for discounts to help make insurance more affordable.2
Explore condominium insurance savings

One of the most important aspects of condominium unit owners insurance is the replacement cost for personal property. We offer two coverage options:

Limited replacement cost loss settlement

Helps provide payment based on the cost to repair or replace the damaged property at the time of loss.

Depreciated loss settlement

Helps provide payment based on the cost to repair or replace damaged property less depreciation at the time of loss.

Learn more about coverage options

Yes. In most cases, it is used interchangeably to describe the liability insurance for condo unit owners.


If there is an association form of ownership with a master policy insuring the building exteriors, then you’ll need condo insurance for the interior of your unit. If not, you’ll need a homeowners policy.


Coverage options, deductibles, and discounts may affect your policy cost. Check with your State Farm agent to find out what best fits your needs and budget.


Homeowners insurance covers the interior and exterior of a dwelling, but the owner of a condo unit is generally responsible for insuring just their interior. Check your condo association bylaws to determine the type of coverage required.


Learn how and why you should keep a list of all your belongings and their worth.


Adding up the value of computers, electronics, appliances, jewelry, clothes, furniture, maybe even something particularly valuable like an engagement ring, art collection or musical instrument can help you determine how much personal property insurance coverage you need.

Some interior features of your condo unit, such as cabinets, countertops, carpet, doors, drywall and other portions of the unit may not be covered by the condo association’s master policy, so they may need to be included in your coverage. A State Farm agent can help you determine the value of the building property in your unit.

Estimating the value of your personal property

Tips to keep a better safeguard on your things.


Condominium unitowners policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?

  • Money, bank notes, coins

  • Business property

  • Watercraft including trailers, furnishings, and equipment

  • Trailers (other than boat trailers)

  • Firearms (applies to theft only)

  • Silverware and goldware (applies to theft only)

  • Rugs, tapestries (theft only)

If you need higher limits for certain types of property, your State Farm agent can help.


No, State Farm does not offer flood insurance. Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Your State Farm agent can probably assist you with obtaining flood insurance.


Rest easy, the policy may help provide protection for covered liability claims or lawsuits.

Look into an additional liability policy

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to help fit your specific needs.

A bearded State Farm agent in red polo shirt and pullover smiles.

Additional insurance options

Personal property insurance

Extra coverage for your personal property

Pet insurance

Coverage for your pet

Homeowners insurance

Coverage for your home

Renters insurance

Coverage for your stuff as a renter

Rental property insurance

Coverage for your rental property

Manufactured home insurance

Coverage for your manufactured home

Simple Insights®

Looking for help protecting your residence? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

1 Use of the term “condo” or “condominium” on the page is a specific and exclusive reference to the condominium unitowners policy offered by State Farm.

2 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

3 Average annual per household savings based on a 2022 national survey by State Farm of new policyholders who reported savings by switching to State Farm. Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability, and eligibility may vary by state.

4 Please refer to your actual policy for a complete list of covered property and covered losses.

This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Tallahassee, FL
State Farm Lloyds
Richardson, TX
" class="hidden">宣城赶集网