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Home > Condo Insurance - Albany, Schenectady, Troy, Saratoga, NY

Condominium Insurance


Condominium Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Condo Insurance Quote

Condominium Insurance Information

If you own a condominium, you have unique insurance needs. The team at Ten Eyck Group is here to help you navigate those needs. We have a variety of condo insurance policy options for you to get the coverage solutions to help meet your unique homeowner needs. Give us a call today or request a quote online to get started.

Common Condo Insurance Questions:


What Is Condo Insurance?
Condo insurance is similar to a homeowners insurance policy in that it is designed to cover your personal property as well as liability. A condo insurance policy can meet your unique homeowner needs, including coverage for your possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.

What About the Condo Association’s Policy?
Your condo association’s master policy likely provides coverage for certain aspects of the condo building. It’s essential to determine what may be covered by the master policy so you know what kind of coverage you will need. Typically, your condo association carries an insurance policy for common areas, such as the lobby, walkways, boiler or basement, but won’t provide coverage for items in your unit. As always, coverage may vary, so it’s important to read the master policy carefully. 

What Does Condo Insurance Cover?
Similar to a standard homeowners insurance policy, condo insurance is a package policy in that it provides protection for both property and liability. 
• Property: A personal condo policy can help protect you from losses to your personal property and the interior of your unit. 
• Liability: The liability-to-others portion of your policy helps cover you against lawsuits for bodily injury or property damage that you or a family member may cause to other people. It helps pay for both the cost of litigation and any court awards, up to the limit of your policy, and covers you at home or away. 
• Loss Assessment:  Helps defray the cost to Condo owners for damages to common areas of the property whereas the Condo Association assesses part of the bill onto unit owners.  
Depending on where you live, you may need to consider purchasing additional coverage for floods, sewer backup coverage or service line coverage. Additionally, if you have high-value personal items, you may need to purchase additional insurance to insure those items properly. Your Ten Eyck Group agent can discuss your insurance needs and solutions that may be best for you to consider. 

Is Condo Coverage Expensive?
Your condo insurance premium will vary based on your unique needs. Premiums may also be influenced by additional coverages selected, chosen policy limits and the value of your condo. Talk to a Ten Eyck Group agent for more information on premiums. 

Contact Us Today
If you need condo insurance, we’re here to help. Contact the team at Ten Eyck Group to learn more about your condo insurance options. 


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