Home / Condo Insurance

Condo Insurance… what does and doesn’t your HOA cover?

If you own a condominium, you’ll need an individual condo insurance policy even though your HOA has its own coverage.

Condo association insurance typically covers building exteriors and common areas. Many HOA policies won’t cover anything inside your walls… even plumbing and wiring?

When it comes to the interior of your unit you should review your HOA’s master policy and contact a Mountain Insurance adviser to determine the amount of coverage you need.

The simple way to access the best Condo Insurance options in Denver.

Get a Quote

We “shop the market to find you the best insurance value

We work for you, not the insurance companies.

We custom tailor a plan to fit your lifestyle and budget

We advise you on the best coverage to fit your needs at the best value.

We insure ALL property owners

Prior claims, bad credit… we specialize in hard to place risks

Most common Denver Condo Insurance questions from our clients

My HOA requires that my policy include “loss assessment” coverage… what is it?

Several years of extreme hail damage in Colorado has necessitated the companies to establish separate large wind/hail property deductibles. In larger condo complexes, deductibles from hailstorms can be well in excess of $100,000. If the HOA general fund is insufficient the HOA will require the condo unit owners to file a claim on their policy under “loss assessment” to cover the shortage.

Does a condo policy cover water damage?

Optional water/sewer backup and sump overflow coverage can be purchased. This coverage doesn’t apply if the loss is flood induced.

Will my policy cover a guest injured from a fall on ice in the parking lot?

NO, your HOA policy will cover for injuries sustained in the common areas. Condo Insurance Liability will provide coverage if a guest is injured in your unit.

Mountain Insurance

The right coverage at the best price. Colorado's trusted insurance advisers since 1997

About Us

We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774
info@mountaininsurance.com