What is condo insurance? CLICK FOR QUOTE
When you own a condominium, you — not your condo association — are responsible for what's inside your condo. That's why having a personal condo insurance policy is important.
Condo associations have master policies that cover the property, common areas and physical structure of your building. However, these master policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or customizations to your unit.
That's where condo insurance comes in.
As you get condo insurance quotes while shopping for a condo insurance policy, you'll typically select from available coverages, such as:
- Personal property
- Replacement value of your primary dwelling and specified permanent attachments, up to a specific value
- Bodily injury if someone is hurt on your property
- Liability for property damage
- Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass breakage, etc.
A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements.
With condo insurance, sometimes called an HO6 policy, damage to improvements, additions and alterations of your unit are covered. Your condo insurance policy also covers your belongings and the structural parts of the building that you own.
Before you shop for condo insurance, take an inventory of what you own to decide what level of coverage makes you comfortable.
Ready to take the first step toward obtaining condo insurance? Get condo insurance quotes through Progressive today.
Renters Insurance CLICK FOR QUOTE
Progressive Home Advantage® Making Our Auto Customers Feel More at Home®
Protect your apartment or rental house — and your possessions — with renters insurance from Progressive Home Advantage*. Renters insurance covers damages to your possessions when you rent rather than own your home.
If you already know what kind of renters insurance policy you need, get a renters insurance quote today!
What is Renters Insurance?
If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
- Personal property (furniture, electronics, computer equipment, clothing, etc.)
- Personal liability if someone is hurt, whether in your home or away from it
- Damage to your apartment or home caused by a covered loss
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:
- Smoke damage
- Collapse of the building due to weather
- Water leakage or overflow
- Freezing of plumbing, air conditioning and more
Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.
You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.
Countrywide average premium 12 months ending 7/8/09.
Progressive Home Advantage homeowners insurance, underwritten by select insurance companies, is offered directly through Progressive in all states except Alaska and Florida. Shop online or by phone, except in Hawaii and New Hampshire which are available by phone only.
Mobile Home Insurance CLICK FOR QUOTE
A great mobile home insurance policy blends reliable protection, outstanding service, and affordable rates—and that’s exactly what you can get with Progressive. Get your free mobile home insurance quote today and build a policy that’s right for you, with help from our mobile home insurance experts.
What is mobile home insurance?
Mobile home insurance, or manufactured home insurance, not only covers your mobile home; it can also cover:
- Detached structures on your property, such as a shed or garage;
- Your personal belongings;
- Living expenses if your home is severely damaged by a covered loss;
- And injuries that might occur on your property—up to the limits you choose on your mobile home insurance policy.
Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy. And if your mobile home isn’t your primary residence, you can build a non-owner-occupied, seasonal, or rental mobile home insurance policy to cover it.
When you build your mobile home insurance policy, you’ll choose what you want to cover (e.g., your home, detached structures, and personal belongings), as well as the amount of coverage you need.
Comprehensive coverage, included with every policy, offers protection against physical damage to your home caused by any peril, as long as it isn’t specifically excluded in your policy. Covered perils include:
- Wind- or hailstorm;
- Damage to trees, shrubs, and lawns;
- Falling objects;
- And more.
Broad form coverage—which covers physical damage to your home if it’s caused by specific perils—is also available.
Your mobile home insurance or manufactured home insurance policy can be comfortable for you financially. We’ll help you design a manufactured home insurance policy that fits your needs as well as your budget. Then, choose a payment plan that’s right for you.
To start building a mobile home insurance policy—and see our affordable mobile home insurance and manufactured home insurance rates—get a mobile home insurance quote today.
*Mobile home insurance policies purchased through Progressive that are not underwritten by Progressive in your state are underwritten by American Bankers Insurance Company of Florida, American Security Insurance Company, or Ranchers and Farmers Mutual Insurance Company, depending upon your location. These companies are valued business associates that are not affiliated with Progressive, and are solely responsible for claims under insurance policies issued by them. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these underwriting companies.
Mobile Home Insurance Availability CLICK FOR QUOTE
Mobile home insurance is offered through Progressive* in 16 states. Shop online or by phone, except in the following states, where policies are available only by phone: Ohio, Missouri, Indiana, Minnesota, Wisconsin, Illinois, Iowa, and Nebraska.