Condo Insurance

Condo insurance

Your Condo Association Doesn’t Cover You Completely

Fully Protect Your Investment with CIG

Do you know what your condo association insurance covers? You may not be fully protected and may be responsible for insuring the interior walls, flooring, cabinets, and more, as well as your belongings and personal liability. Not sure if there are gaps in your coverage? A CIG Insurance Agent can review your condominium association’s master policy and customize a policy to fit your needs.

Coverage highlights

  • Personal Property Replacement Cost protection in the event your property is damaged or destroyed
  • Loss assessment for damage to the property owned by all condo unit owners, such as a recreational center
  • Additional Living Expense coverage in the event your condominium is damaged and not habitable for a time
  • Key and Lock Replacement after a covered loss
  • Spoilage of Refrigerated Products after a covered loss
  • Worldwide Personal Liability coverage
  • Medical coverage for injured guests, regardless of fault
  • Identity Fraud Expense Reimbursement and Unlimited Fraud Prevention and Resolution Assistance
  • Personal Injury Liability coverage (such as liable or slander)
  • And more…

Customized Savings

  • Multipolicy options and discounts
  • Loss Free discounts (available for new clients only)
  • Renewal discounts to recognize your continued trust in CIG
  • Home Security discounts if your home is protected by a central alarm or sprinkler system.
  • Century Age credit if the insured is age 50 or older or if joint insureds have combined ages of 100 or more
  • Insurance Credit Score discounts (available only in OR and WA; no surcharge applies for less-than-perfect credit)

Optional Property and Liability Protection

  • Individual protection for valuable personal property that may not be fully protected by the basic policy, including:
  • Wedding rings or other valuable jewelry
  • Firearms
  • Bicycles, Golf Clubs and other Sports Equipment
  • Lawn Tractors
  • Golf carts
  • And more…
  • Earthquake coverage
  • Accidental Death and Mortgage protection
  • Liability protection for your secondary home or 1- to 4-family rental property
  • Liability for home offices and certain incidental business on your property

Additional Benefits and Services

  • CIG On-the-Spot Response
  • FastTrack Processing™ of claims


Find a CIG Insurance Agent

Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates, and exclusions. Please consult your CIG Insurance Agent for complete details. Coverage is available from CIG for Homeowners, Renters, Condo Owners, and your personal automobiles in California, Nevada, Oregon, and Washington. Types of policies and coverage may vary from state to state.

CIG – Capital Insurance Group