Connecticut Condominium Insurance

Whether you are looking for your first home in Connecticut or moving to a new area, there are plenty of reasons to consider a condominium. Condo ownership allows you convenience while building equity, and they commonly come with amenities like private pools.

Condo unit owners have different insurance needs than homeowners. Whether your condo is located in Bridgeport, Norwalk, Stamford, New Canaan or another Connecticut city, it’s important to help protect your investment with appropriate insurance coverage.

While you may think you have adequate coverage through your condo association, there may be gaps in coverage. For example, a typical master policy protects the exterior of your unit, but not the interior walls or your personal belongings inside.

How Much is Condo Insurance in Connecticut? 

Insurance rates for condominiums in Connecticut differ from city to city. One way to get a picture of how much you will pay is to request a personalized quote. We are a local insurance agency that works top insurance carriers. Reach out to one of our local offices to see what coverages are available for your condominium.

Possible Condominium Insurance Coverage Gaps 

It is common for condo association insurance to focus only on the building structure and common areas, leaving your unit and your property inside exposed in the event of a claim. Every master policy is different, but some things that may not be covered are:

  • Improvements or betterments you’ve made to your unit
  • Your personal property
  • Wall coverings such as paint or wall paper
  • Some master policies cover cabinets, fixtures, carpet, etc., but some do not

View of Condominium buildings and boats in a harbor in Stamford, Connecticut, United States
How Much Coverage Do I Need? 

Knowing how much coverage you should be looking for starts with knowing the value of the items you are protecting. Make a list and add up the values of your furniture, appliances, electronics, clothing, and any valuables.

If you have questions about your insurance coverage, our team is readily available by phone or email to chat.

What is Loss of Use Coverage? 

If a covered loss such as a fire prevents you from living in your home, this coverage can provide reimbursement for additional living expenses while repairs are made. Typically, a policy will reimburse you for the portion of hotel bills, meals, laundry and other living expenses that exceed what you would pay if you were living in your home, but policies can vary. Reach out to your local insurance agent to see what coverages are available to you.

Condominiums in Stamford, CT
More Insurance Coverages 

Our local offices can help you find coverage options for your condo, but we also can assist you with coverage for your cars, boat, valuables, and more. Our team has experience addressing the broad range of exposures of large families and serving their widely varied structures and dynamics. Reach out today to see how we can assist you with your insurance needs.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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