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Get condo unitowners
insurance

Help protect your condo from fire, theft, and other covered causes of loss with State Farm® Condominium Unitowners insurance. Plus save money when you bundle a home and car insurance policy with State Farm.1

Why you need insurance for your condo unit

Your condo association likely won’t insure your unit or the personal property inside. Their insurance typically focuses on the building structure and common areas.
A State Farm agent can help you choose the most appropriate protection plan for your condominium unit.
Explore condo insurance coverage options

What condominium
unitowners
insurance covers2

What condominium unitowners insurance covers

Weather damage

Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet

Non-weather damage

Fire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles

Other causes

Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current

What’s not covered?2

Natural & other causes
Damage from flood, underground water, earthquakes, mudslides, settling, deterioration, contamination, nuclear hazard, birds, rodents, insects or domestic animals.
Work-related

Business pursuits or professional services. Learn more about business owners policies.

Vehicles
Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft.

To get coverage beyond your condo unitowner policy to replace your valuable items, consider a personal articles policy.

Property values

Know the value of your belongings

Adding up the worth of computers, electronics, appliances, jewelry, clothes, furniture, maybe even something particularly valuable like an engagement ring, art collection or musical instrument can help you determine how much condominium unitowners insurance coverage you need.

Some interior features of your unit, such as cabinets, countertops, carpet, doors, drywall and other portions of the unit may not be covered by your master policy. A State Farm agent can help you determine the value of your unit.

Estimating the value of your personal property

Understanding replacement costs

One of the most important aspects of condominium unitowners insurance is the replacement cost for personal property. We offer two coverage options.
Limited replacement cost loss settlement
Pays for the cost to repair or replace your damaged property up to the limits of liability.
A depreciated loss settlement
Pays the cost to repair or replace damaged property minus the pre-loss depreciation up to the limits of liability.
Learn more about coverage options

Condo insurance savings

Bundling the purchase of your condo and auto policies isn’t the only way you can save money. From home security devices to a claim-free history, we’ve got options for discounts to help make insurance more affordable.1

Explore condo unitowner insurance savings

Covering medical and liability

Rest easy, the policy provides protection for covered liability claims or lawsuits.
Look into an additional liability policy

Policy coverage limits

Like all homeowner’s policies, condo unit owner policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?
  • 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 used for business
  • Rugs, tapestries (theft only)
If you need higher limits for certain types of property, your State Farm Agent can help.

Want to know more about condo insurance?

Tips for condo owners
Get the most out of your condo investment.
What condo insurance covers
Learn what you need to protect.
Protecting yourself from burglary
Tips to keep a better safeguard on your things
Developing a home inventory
Learn how and why you should keep a list of all your belongings and their worth.
State Farm life insurance benefits
Take time to cover yourself.
Protecting your pets
It wouldn’t be home without them. Are they covered, too?
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Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen – for free.
Explore Ting
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1 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
2 Please refer to your actual policy for a complete list of covered property and covered losses.
This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
Oregon Customers: State Farm does not offer discounts related to wildfire risk mitigation actions in rating.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL

State Farm Lloyds
Richardson, TX

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