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Condominium (Condo) Insurance for MD, VA, DC

Condominium (Condo) Insurance for MD, VA, DC

If your home is a condominium, would you know what questions to ask your condo association before purchasing insurance to cover your investment?  There are many types of Condominium associations and building type, and also state regulations that each become important factors in determining your coverage needs.  Here at  Community Insurance Services in Laurel, Maryland, we can help you understand your options and responsibilities and walk you through the choices for your own condominium protection plan,  whether you live in Maryland (MD), Virginia (VA) or Washington, DC.

Condominium insurance provides coverage for your personal belongings as well as coverage for structural improvements to your dwelling and additional living expenses if you are forced to temporarily relocate during repair/rebuilding of your unit following a covered disaster.

What to Insure – Your Unit

To ensure that your condo insurance policy offers adequate coverage, first consult your association’s by-laws or proprietary lease, and speak with condo or insurance specialists.  Sometimes, a condominium association is responsible for the entire condo “unit” as originally built.  You need to review your association by-laws and consult with an agent who knows the regulations which vary by state.  You are always responsible for insuring your property inside the condominium.

What is not Covered – Common Element

Your condominium policy will not cover the common areas you share with other condo owners in your building or association.  Common Elements may include the roof, exterior walls, elevators, and walkways. The condo association is responsible for purchasing coverage for the common areas through a “master policy.”

Additional Coverages for your Condo

Optional coverages your condo insurance policy might include:

  • Loss assessment coverage to pay your share of an association assessment to unit owners to pay for  the repair of loss sustained through damage to the common areas.
  • Water back-up coverage pays for loss caused by sewer or drain back-up.
  • Additional coverage for expensive belongings such as furs, collectibles, jewelry, etc.
  • Identity Recovery coverage

Our capable agents have experience with condominium insurance; and with their help, you can learn about available discounts and coverage choices to create just the right policy for your needs.  So why not contact us today to discuss how we can help or get a free quote.


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The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as licensed and qualified insurance agents like those at the Community Insurance Services before making any decisions or choosing a course of action.




What Our Customers Have To Say...

I have worked with Heather for years. She has always guided me and helped me in a very prompt and professional manner. She always answers my questions fully and gives me comfort that I have all the facts before making a decision. I highly recommend working with her for all of your insurance needs.--- Theresa M.