Condo Insurance, Minus The Guesswork.

Tell us about your unit and your association. We'll tell you what you may qualify for — in about two minutes.

Condo coverage is the gap between what the HOA insures and what you own. Once you know which master policy your building carries, the rest gets simple.

Takes about 2 minutes
No SSN needed
No obligation to buy

Check My Eligibility How Condo Insurance Works

Guidance you can trust Licensed insurance guidanceSecure & privateNo obligation to buy

AI Eligibility Assistant Secure & Private

1 Basics
2 Your Unit
3 Association
4 History
5 Review
6 Results

Hi, I'm your condo insurance eligibility assistant. Tell me your name and we'll get started — then a few quick questions about your unit to see what you may qualify for.

First, what's your name?

Enter your name

What state is the condo in?

Select your state

Roughly what would it cost to redo the inside?

e.g. 75000

What kind of master policy does the association carry?

Bare walls, single entity, all-in…

Eligibility Estimate82%

Most condo owners may qualify for coverage with a top-rated carrier.

Your information is encrypted and never shared without your consent.

What we'll help you cover

Interior & Improvements

Flooring, cabinets, fixtures — whatever the master policy leaves to you.

Personal Property

Your belongings inside the unit, from furniture to electronics.

Loss Assessment

Your share when the association bills every owner after a large claim.

Liability

If someone is hurt in your unit, or water from your unit damages a neighbour’s.

New to condo insurance? Start with our complete condo insurance guide — what an HO-6 does, what it costs, and how much you actually need.

A simpler way to cover your unit

Answers in minutes

A few questions about your unit is all it takes. You'll see where you stand before anyone calls you.

We ask about the master policy

Bare walls, single entity, or all-in — it decides how much of your unit is actually yours to insure. Most quotes never ask.

Loss assessment, explained

When the association bills every owner for a big claim, this is the coverage that pays your share. Plenty of owners do not have it.

Your details stay yours

No Social Security number, no date of birth. We ask what we need to estimate eligibility and nothing more.

How It Works

1

Tell us about the unit

Your state, roughly what it would cost to redo the inside, and whether you live there or rent it out.
2

Tell us about the association

Which master policy they carry — and if you do not know, we'll tell you where to find it.
3

See your eligibility estimate

A straight read on what you may qualify for, and a link through to a top-rated carrier.

Common Questions About Condo Insurance

Quick answers — tap through for the full guide.

How much is condo insurance?

What HO-6 coverage actually costs and what moves the number.

How does condo insurance work?

Where the master policy stops and your policy starts.

How much condo insurance do I need?

Picking limits that match your association’s master policy rather than guessing.

Best condo insurance in California

Rates are set state by state. See what coverage costs where you own.

Licensed guidance

We are a licensed insurance agency, not a lead broker. The guidance here is the same we would give you on the phone.

We say when to walk away

If your current policy is already a good deal, we'll say so. Nothing here is worth your money if it doesn't fit.

Plain-English answers

No jargon, no fine-print games. If we can't explain a coverage in a sentence, we shouldn't be selling it.

Affiliate disclosure: Simply Insurance may receive compensation when readers click partner links and an eligible policy is approved.

This tool provides an eligibility estimate, not a quote or a binding decision. Rates and availability vary by state, building, and carrier. How much coverage you need depends on your association's master policy — check the bylaws or declaration page. Flood and earthquake are not covered by a standard HO-6 and require separate policies.