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Condo insurance coverage

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How does condo insurance work with a condo association policy?

The two policies work together. Our policy can help cover parts of your unit that your condo association’s master insurance policy doesn’t.

For example, the master policy could cover exterior walls of the unit. But you need condo insurance to cover your interior walls and damage to your kitchen and other rooms.

You can also get protection for your things and liability coverage with condo insurance.

Coverage to help protect your property‍ ‍ See note 1

Personal property

This includes the stuff you own like your furniture, jewelry, clothing, appliances and electronics. Even when you travel or put things in storage, your stuff is covered.

Building items

This helps cover your unit’s interior. If you have custom or upgraded features like flooring, plumbing, cabinets and countertops, they’re covered, too.

Home sharing‍ ‍ See note 2

Coverage for the things you own can extend to home sharing, exchange programs and short-term rentals. If you rent your condo to long-term tenants, you may need USAA Rental Property Insurance, also known as landlord insurance.

Coverage to help protect your finances‍ ‍ See note 1

Condo coverage helps protect you financially if you face a lawsuit or other unexpected expense following a covered loss.

Claims against you

If you're at fault for someone's injury or damage to their property, personal liability coverage may help protect you and cover your legal costs up to your policy’s limits.

Damage to shared property

The cost to repair damage to common areas is shared by all condo unit owners. This coverage could help pay unexpected condo association assessments up to $50,000.

Temporary living expenses

If a covered event leaves your home unlivable, this can help reimburse you for things like hotel stays or apartment rent, food, laundry, moving and pet boarding. Learn more about loss of use coverage.

Identity theft‍ ‍ See note 3

Our standard policy includes up to $5,000 of identity theft coverage, which can help pay for services you may need to recover your identity.

Medical payments to others

Costs for things like X-rays or ER visits for people injured on your property can add up. This may help cover medical payments for their injuries no matter who's at fault, including some accidents that happen away from your property.

Repair or replace old stuff at today’s cost.

Your policy comes with replacement cost coverage.‍ ‍ See note 4

That means, for example, if your old TV has covered damage, your policy can pay the value of what a comparable make and model would go for today. You just pay your deductible.

Special coverage for military

Active-duty and active Reserve members won't pay a deductible on a covered loss for personally owned military gear and clothing. This can include uniforms, insignia, flight cases, headsets and body armor.‍ ‍ See note 5

Optional coverages to consider

Electronics

If you need protection for common accidents like drops and spills, add electronics coverage. So if you accidentally damage or lose your laptop, we'll help pay to fix or replace it up to your coverage limit.‍ ‍ See note 6

Water backup

This covers damage caused by water or sewage that backs up through the plumbing from outside the unit. It also covers damage from water that overflows from a sump pump or sump well designed to drain water from the interior foundation.

Earthquake

This provides coverage for your home and its contents if they’re damaged by an earthquake, shock waves or tremors.‍ ‍ See note 7

Personal injury

If you’re accused of damaging someone’s reputation with libel, slander, defamation of character or other harmful actions, personal injury protection can help.

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Policies that go beyond condo insurance

Valuable Personal Property insurance

Also known as VPP, this policy gives you extra coverage for things like jewelry, guns and more. And there's no deductible.

Learn about VPP insurance

Flood insurance

Just like homeowners insurance, condo policies don’t cover floods. We offer coverage through the National Flood Insurance Program (NFIP), and the USAA Insurance Agency can help you get coverage from a private insurer.

Learn about flood insurance

Umbrella insurance

This policy may pick up where your condo liability coverage leaves off. It helps you pay for the rest of a claim that exceeds its limits.

Learn about umbrella insurance

Condo and other insurance resources

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Read article: Condo living: What kind of insurance do I need?

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Read article: Pros and cons of home warranties

Why flood insurance is a wise bet for homeowners

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Read article: Why flood insurance is a wise bet for homeowners

Get protection beyond your condo’s structure.

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Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

  2. Coverage and availability restrictions apply and are subject to change. Not available in all states.

  3. Your homeowner's policy automatically includes up to $5,000 of identity theft coverage. ID theft coverage not available in North Carolina. Read your United Services Automobile Association (USAA) policy for details.

  4. With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

  5. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  6. All coverages may not be available in all locations.

  7. For the state of Washington, earthquake insurance is available through USAA Insurance Agency.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

    The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

  3. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  4. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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