Condo Insurance

Customized Protection Just for Condo Owners

Get it all with Mercury – low rates, excellent service, financial stability, customized coverage tailored to the unique needs of condo owners, and your own neighborhood agent.

The Condo Coverages You Need

We understand that condo owners have needs different from those of renters and homeowners, which is why we created insurance options just for you. Take a look at some of the coverages¹ we offer and then talk to one our friendly, knowledgeable agents. You’ll get a plan built especially for you and you’ll like the price, too.

Personal Property
Provides coverage for your household items in the event of fire, theft or other covered loss. Did you know that most condo association policies don’t provide coverage for your personal belongings?
Additional Personal Property
Provides additional coverage for antiques, fine art, jewelry and other valuables.
Improvements
Provides coverage for fixtures and improvements, such as cabinets, flooring and lighting, as well as other free standing structures that may not be covered by your condo association’s policy.
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.

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.

Low Rates and Great Discounts

Everyone likes to save a little money, so you’ll be glad to know that Mercury offers some of the lowest rates around. And that’s just the beginning, because you can save even more with some of our most popular discounts². Ask your Mercury agent about these and other discounts.

Multi-Policy (Auto + Condo)
Gated Community
Smoke Alarm

Security Monitoring
Selecting a higher deductible

Multi-Policy (Auto + Condo)
Gated Community
Smoke Alarm
Security Monitoring
Selecting a higher deductible

²Discounts and coverages may vary by state.

Frequently Asked Questions

What does my condo association master policy cover?
- You don’t want to pay more than you have to when it comes to condo insurance. That’s why it’s important to know what your condo association’s master policy already covers. Typically, the master policy starts with the inside bare walls of your unit and covers everything working out, like the walls, what’s inside the walls, 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, which cover the outside of your building and the structural fixtures inside of your building. Let a Mercury agent review your condo association master policy today to be sure!
Does condo insurance cover earthquake and flood damage?
- Typically, condo insurance policies don’t cover earthquake or flood damage. Earthquake and flood insurance must be purchased separately. These coverages are extremely important to purchase, 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 if they are damaged by an earthquake or flood. This could potentially save you hundreds of thousands of dollars in the future. Learn more about earthquake insurance.
Does renters insurance cover earthquake and flood damage?
- Unfortunately, renters insurance policies do not cover damage caused by earthquake and flood. But this doesn’t make earthquake or flood insurance any less important. These coverages take care of the cost of replacing all of your personal belongings that are damaged by an earthquake or flooding, potentially saving you hundreds of thousands of dollars. We highly recommend you consider buying flood or earthquake insurance, especially if you live in an area where those natural disasters are common. Find out more about earthquake insurance here.

What our customers are saying

My agent is always there when I call. I really respect that work ethic and commitment to service, which is so often missing in today's environment. I have been with Mercury since 1992 and would never think of switching to another company. Thank you Mercury.

Busy Lady

Sherman Oaks, CA

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Condo Insurance

Customized Protection Just for Condo Owners

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