Get a Condominium Unitowners Insurance Quote

State Farm offers a number of coverage options so that you can get condominium unitowners insurance that fits your needs.

What coverages options are available?

Condominium Unitowners Insurance Covers:

Examples not limited to:

• Fire or lightning
• Windstorm or hail
• Freezing of plumbing system
• Theft

A Condo Unitowners policy from State Farm provides comprehensive coverage, but it does not provide coverage for every loss.

Examples of losses not insured include, but are not limited to:

• Water damage caused by flood or underground water
• Earth movement including earthquake and mudslide
• Damage caused by settling, deterioration, contamination or nuclear hazard
• Damage caused by birds, rodents, insects or domestic animals

While the Condo Insurance Policy provides personal liability coverage, it does not provide coverage for every loss for which you may be liable.

Examples of exclusions include, but are not limited to:

• Bodily injury or property damage that is expected or intended by the insured
• Business pursuits
• Professional services provided or not provided
• Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft

Like all homeowners policies, unit owner policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). Here is a typical list of the types of property that may have "special limits" in a condominium unitowners policy:

• 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)
• Computers and data processing equipment
• Rugs, tapestries (theft only)

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

Have you ever added up the value of all your property — computers, electronics, jewelry, clothes, furniture, maybe even something particularly valuable like an engagement ring, art collection or musical instrument? You're probably looking at thousands of dollars. Could you afford to replace it all if it were stolen or damaged in a fire? A State Farm condominum unitowners insurance policy helps cover your property at home or on the go.

Estimate the value of your personal property. Once you've figured out what your property is worth, you'll know how much condominium unitowners insurance coverage you need.

Home inventory

Sample condo personal property appraisal

Replacement cost for personal property is one of the most important aspects of condominium unitowners insurance. We provide two coverage options. Limited Replacement Cost Loss Settlement pays for the cost of your damaged property up to the limits of liability. A Depreciated Loss Settlement pays the cost to repair or replace damaged property minus the depreciation at the time of a loss.

Be sure to choose the option that best fits your needs.

What coverages options are available?

State Farm may help you save on condominium unitowners insurance with discounts for:

• A claim-free history
• Purchasing multiple State Farm products
• Home security devices

Condominium Unitowners Insurance discounts