Condo Insurance

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Customized Condo Insurance to Protect Your Assets

Condominium insurance offers more than protection for your home. It’s an investment in your happiness and future, providing coverage1 for fire, theft and other covered losses. Give your condo (and its contents) the protection it needs to provide you with peace of mind in the event of the unexpected.

1Coverage(s) may be subject to certain restrictions and limitations and may not be available in all states. Ask your local independent agent for more information.

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Mother feeding baby food in kitchen

Coverage Just for Condo Owners

Condo owners have different needs than renters and single-family homeowners, which is why Mercury Insurance created condo insurance coverage that can be tailored to your specific needs. Don’t settle for a generic condo insurance policy for your unit. Take a look at some of the coverages we offer and get an online quote or call one of our independent Mercury agents for help customizing a plan that’s just right for you.

Personal Property

Provides coverage for your household items in the event of fire, theft or other covered loss. Personal property coverage is critical, as most condo association policies don’t provide coverage for your personal belongings.


Provides coverage for fixtures and improvements you’ve added, including cabinets, flooring and lighting as well as other free-standing structures that your condo association’s policy may not cover.

Loss Assessment

Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.

Additional Living Expenses

Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.

Personal Liability Protection

Pays for bodily injury or property damage caused to others as a result of a covered incident.

Guest Medical Protection

Pays medical expenses for your guests who are accidentally injured on your property.

Workers’ Comp Coverage

Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.

Condos Rented to Others

Provides liability and contents coverage on your condo when you rent it to others.

Low Rates and Great Discounts

Mercury Insurance offers some of the lowest rates around. Maximize your savings and get a lower condo insurance premium with some of our most popular discounts.2 Talk to your Mercury agent to learn more about these and other discounts:

  • Multi-Policy (Auto + Condo)
  • Gated Community
  • Smoke Alarm
  • Security Monitoring
  • Selecting a higher deductible
  • Homeowner association discount
  • Loss free discount
  • New home discount

2Discounts and coverages may vary by state.

Condo Building

Frequently Asked Questions

What does my condo association master policy cover?

The master policy usually begins with your unit’s inside bare walls and covers everything working out, including the walls, what’s inside the walls, the property roof, elevator and lobby. You’re normally responsible for everything inside of your condo, including interior structures and fixtures, such as your bathroom, kitchen, lighting and floors.

Some condo associations have all-in master policies that cover the outside of your building and the structural fixtures inside it. Let a Mercury agent review your condo association master policy today to be sure!

Does condo insurance cover earthquake and flood damage?

Condo insurance policies don’t normally cover earthquake or flood damage, so you must purchase earthquake and flood insurance separately. These coverages are extremely important. Carefully consider purchasing these additional policies, especially if you live in an area where flooding or earthquakes are common, as they cover the cost of repairing the interior of your condo and replacing your personal belongings.

Does condo insurance cover home businesses?

Condo insurance is not intended to cover home businesses. Your policy does contain a limited amount of protection for property used primarily for business purposes; however, to help protect your business, speak to your Mercury agent about adding a business insurance policy.