Condo Insurance
Protect yourself and your investment with us.
Your condo is your castle, and we can help protect it. Your local Granwest agent can help you get the coverage you need to protect your condo, your belongings and you and your guests.
Coverage
Condominium insurance provides protection for loss damage to your personal property and provides additional living expense coverage should your residence become uninhabitable due to a covered loss. There is also coverage for building items you may be responsible for inside your condo. Importantly, it can help protect your assets from liability claims.
Claims
Our adjusters are highly qualified and experienced within their specialty areas and can address any issues that may arise. This approach leads to quicker decision making and faster claim service.
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Why Choose Us?
Condo owners have a particular appreciation for efficiency. Granwest Insurance is a mutual company owned by our policyholders,—as opposed to publicly traded stock insurance companies—so we’re committed to serving the needs of our community and you. Uniquely situated between renter’s insurance and homeowner’s insurance, condo insurance through Granwest Insurance covers not only valuables and belongings, but also fixtures, cabinetry and more. Discover the difference with Granwest Insurance today.
What's Included?
Every Granwest condominium policy provides the following standard coverages and benefits:
- Full replacement cost coverage on most of your personal property
- Up to $5,000 of coverage for condominium building items inside your unit that you are responsible for
- Loss of use coverage in case your condominium become uninhabitable due to a covered peril
- Reasonable costs for lock replacement or repair with no deductible
- Up to $500 for refrigerated property coverage
- Liability protection for you and your family should you become responsible for bodily injury or property damage to another
- Guest medical coverage if a guest is injured on your property
- Limited liability coverage for certain watercraft
- Legal defense for covered liability claims against you
- Our superior claims service
We offer a large selection of additional options available for your special coverage needs including but not limited to:
- Increases in policy limits for personal property, loss of use and more
- Coverage for small home businesses
- Coverage for additional personal property perils
- Liability coverage for recreational vehicles (snowmobiles, golf carts, watercraft etc.) when used off-premises
- Coverage for outbuildings located off-premises or rented to others
- Specified personal property with no deductible
Condominium coverages may vary from state to state. They are not binding as described here and are subject to underwriting approval. Coverage is only available when the terms of the policy contracts are met. Please consult with an authorized Granwest agent for a complete list of coverage availabilities and terms.
Condo Insurance
Protect yourself and your investment with help from a local independent agent.
Your condo is your home, your investment and the place where everyday life happens. The right condo insurance can help protect what you own inside your unit, while also helping with certain covered losses, liability concerns and additional living expenses if your condo becomes uninhabitable after a covered event.
If you are comparing coverage in California, Colorado, Idaho, Oregon, Washington or Wyoming, our network of trusted independent agents can help you understand your options and choose a condo insurance policy that fits your needs.
Condo Insurance Explained
What is condo insurance? Condo insurance, sometimes called HO-6 insurance, is designed for condominium owners. It helps fill the gap between what your condo association’s master policy may cover and what you are responsible for as the unit owner.
A condo association policy may help insure shared areas or parts of the building, but it typically does not protect everything inside your unit. That is where your personal condo policy can help. Your local independent agent can walk through your association requirements, your belongings, your interior features and your liability needs so you are not guessing at coverage.
What Does Condo Insurance Cover?
Condo insurance coverage through Granwest Insurance Association can help protect personal property, certain building items inside your unit and more. Every Granwest condominium policy includes standard coverages and benefits such as:
- Replacement cost coverage on most personal property
- Up to $5,000 of coverage for condominium building items inside your unit for which you are responsible
- Loss of use coverage if your condominium becomes uninhabitable due to a covered peril
- Reasonable costs for lock replacement or repair with no deductible
- Up to $500 for refrigerated property coverage
- Liability protection if you or your family become responsible for bodily injury or property damage to another person
- Guest medical coverage if a guest is injured on your property
- Limited liability coverage for certain watercraft
- Legal defense for covered liability claims
- Claims service from experienced adjusters
Because coverage may vary by state and policy terms, your independent Granwest agent can help explain what applies in your area.
Why Choose Granwest for Condo Insurance?
Granwest Insurance Association is a mutual company owned by policyholders, not a publicly traded stock insurance company. That means our focus remains on supporting policyholders, strengthening local relationships and empowering the independent agents who serve our communities.
For condo owners across the Western U.S., local guidance matters. A condo owner in Seattle may have different coverage questions than someone in Boise, Portland, Denver, Cheyenne or a California community. Our independent agents understand local needs and can help you review coverage options in plain language.
If you also need protection beyond your condo, your agent can discuss related options such as home insurance, renters insurance or umbrella insurance based on your situation.
Helpful Options to Discuss with Your Agent
Your condo insurance policy may also include options for added protection. Depending on availability and policy terms, your agent can help you review choices such as:
- Increased policy limits for personal property, loss of use and more
- Coverage for small home businesses
- Coverage for additional personal property perils
- Liability coverage for recreational vehicles when used off-premises
- Coverage for certain outbuildings located off-premises or rented to others
- Specified personal property coverage with no deductible
Find a Local Independent Agent
Ready to get condo insurance Granwest policy guidance? Use our find an agent tool to connect with a trusted local agent. Our network of independent agents will guide you through available coverage options and help you take the next step.
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