Condo Insurance

Your Condo Insurance Experts

Condo living offers the best of both worlds — homeownership without all the exterior maintenance. But it also comes with unique insurance needs that differ from traditional homeowners coverage.

At L&T Agency Group, we understand the complexities of condo insurance and help you navigate what your HOA covers versus what you need to protect on your own.

The Basics of Condo Insurance

Condo insurance (also called HO-6 insurance) typically covers your personal belongings, interior fixtures and improvements, liability protection, and loss assessment coverage if your HOA levies a special assessment.

Understanding where your HOA's master policy ends and your personal coverage begins is crucial. L&T Agency Group reviews your HOA documents to ensure you have no gaps in protection.

The Impact of Condo Insurance

Without proper condo insurance, you could be responsible for thousands in repairs if a water leak damages your unit — or worse, your neighbor's unit below you.

The right condo insurance policy gives you peace of mind and protects your investment. Let L&T Agency Group help you find coverage that fits your condo lifestyle.

• Protects personal belongings in your unit
• Covers interior walls, floors, and fixtures
• Provides liability protection
• Covers loss assessments from your HOA

Coverage You Can Count On

At L&T Agency Group, we understand that life comes with risks — some expected, others completely out of the blue. That's why we provide clear, dependable insurance solutions designed to give you peace of mind. Our goal is to help you feel confident in the face of uncertainty, knowing you're protected no matter what comes your way.