Condo Insurance

Condo insurance covers what your association’s master policy won’t.

Condo life means built-in community, convenience, and even protection. However, your association’s insurance usually doesn’t protect what’s inside your home. You’re probably on your own if a dishwasher leak destroys your flooring or burglars target your building. Personalized condo insurance can help fill in these gaps in your master policy. Your responsibility becomes our responsibility, too.

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Great rates on Condo Owners Insurance from Virginia Farm Bureau. Talk to an agent today.

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What does condo insurance protect me against?


Stolen personal property including furniture, clothes, sports equipment, electronics, jewelry, and silverware


Graffiti, broken windows, destroyed landscaping—almost any willful destruction or defacement of your property


Damage from grease, wood, or electrical fires, including pervasive smoke odor in furniture and clothes, soot and ash, discoloration of household surfaces, and damaged air systems

Water Damage from Plumbing or Appliances

Busted lines to dishwashers, washing machines, and toilets that cause bubbled flooring, drywall damage, and appliance failure

Get coverage you can rely on.

We cover more than you might expect. Ask an agent about all the perils you’re protected against with Virginia Farm Bureau.

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What Condo Insurance Can Include

Our agents can help you spot what your association’s policy leaves out. We’ll tailor a policy to your particular situation, protecting just what you need.

Property Coverage

This covers your dwelling, additions, and alterations in case of accidental damage outside of your association’s coverage. It’s similar to traditional homeowners insurance.

Personal Possessions Coverage

Furniture, electronics, clothes, and other personal belongings need their own coverage in case of disaster. This protects your personal property even if it’s off-site.

Liability Coverage

If someone is injured inside your condo, or if you injure someone or damage someone’s property outside your home, you could be legally liable. This covers the cost of damages and legal fees to defend yourself.

Medical Payments to Others

Accidents can happen even when you’re paying attention. If someone is injured while on your property, this coverage helps pay their medical costs even if you’re not liable.

Family on Couch in their condo

Additional Living Expenses Coverage

If your property is so badly damaged that you need to live elsewhere for a while, this coverage kicks in. It covers the cost of temporary accommodations, food, and more.

Loss Assessment Coverage

If something happens to your condo's shared building or common areas that exceeds the association's insurance limits, this covers your share of the repair costs.

condo stiars

Questions to Ask Your Agent

In short, condo insurance covers what your association’s master plan doesn’t. This might mean just your personal property or it might mean everything inside, including electrical and plumbing systems. Your local agent can help sort through how much you actually need to cover. We’ll ask about what other assets you want to protect as well, so you’re covered in personal liability situations, too.

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Because when it comes to covering your things, it’s important to first know what stuff you’re covering. And that means taking an inventory. If you’re wondering how to fill out a home inventory, we’ve got you covered.

Home Inventory 101 for Virginians

How much coverage you need depends on what type of housing you have, your budget, and what you’re protecting. Nothing can help you nail down your options better than talking with a local agent who knows your area and Virginia insurance. They can ask the right questions to help you assess how much liability coverage versus personal property coverage you need and more.

Article: What Kind of Home Coverage Do You Really Need?

Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The coverage amount varies based on what you’re protecting.

Umbrella Insurance

Talk to an agent about condo owners insurance.

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