Progressive Condo Insurance

Condo insurance covers what your condominium association does not.

Condo insurance protects your personal items as well as the inside of your building – from the ground up. In the case of a covered loss, this covers worktops, cabinets, and flooring, as well as personal liability coverage and interim living costs.

Your condo association will have a master insurance policy that covers the grounds, common spaces (such as corridors and elevators), and the outside/physical construction of your property. In most circumstances, the association’s insurance coverage does not cover your personal goods or the inside of the unit.

Ways to Save

Save more on your condo insurance policy.

Bundle Condo & Auto Insurance

Save an average of 4% on car insurance when you combine condo with auto.

Pay in Full

You’ll get a discount by simply paying your condo policy up front and in full.

Alarm Systems and Safety Devices

You could earn discounts for having burglar alarms, fire alarms, automatic sprinklers, and more.

New Condo Purchase

Earn an extra discount for purchasing a new condo.

Your Insurance Vs. Condo Association's Insurance

Your condo association’s policy covers what’s their responsibility and your insurance covers what’s yours.

Association Covers

  • Physical structure (roof, exterior siding, outside walls, windows)
  • Common areas (gyms, pools, party centers, etc.)
  • Your association may cover the original features of your unit, such as the original floors, cabinets, kitchen countertops, etc. (if your association doesn’t cover this, your insurance should)

Your Insurance Covers

  • Your belongings
  • Injuries on/around your property
  • Temporary living expenses during repairs
  • Property damage or injury lawsuits against you (even if the damages happen away from your condo)
  • Customizations/upgrades, such as new granite countertops, and updated kitchen cabinets (if you alter/change the unit, you will then become responsible for it)

There are plenty of grey areas. Such as if your roof leaks and your furniture is damaged. Your condo association should pay for those damages as the roof is their responsibility. Or, let’s assume a pipe breaks and ruins your newly improved kitchen cabinetry. Some organizations provide plumbing and electrical services. So your organization could pay for it. If your association does not pay these costs, your insurance should.

Standard Condo Insurance Coverages

These are the basic condo insurance coverages and come standard in your policy.

Your Personal Possessions

Covers your belongings if they’re damaged or stolen. Personal property covers just about all of your stuff if it’s damaged or stolen. This can include furniture, clothes, tools, bicycles, electronics, and more. Your belongings are even covered if they’re not stored in your home (sheds, garages, your car, etc.). You’re covered from fires, weather damage, power surges, theft/vandalism, water damage, and more.

Example: Someone breaks into your car and steals your phone, clothes, and tools. Your insurance will cover these, but there may be some limitations on expensive items.

Jewelry, art, memorabilia, computers, and other expensive items: Certain limits can apply to your more expensive items. But, you can easily get extra coverage for jewelry and other expensive items. When you get a condo insurance quote, we’ll guide you through adding the right coverages.

Loss of Use

Covers temporary living expenses.

Progressive will never leave you homeless! If your condo is damaged, loss of use covers hotel, rent, and food expenses above what you’d typically pay.

Example: There’s a fire in your condo, and you can’t stay there for two weeks. Your rent/hotel expenses and meal expenses above what you usually spend will be covered.

Personal Liability

Covers lawsuits against you or family members.

If someone sues you or a family member you live with (for injuries or damage to their property), personal liability coverage applies. Liability will then cover your lawyer, court fees, and certain damages you have to pay, subject to your policy.

Example: A delivery person falls on your front steps and sues you for their medical bills, lost wages, and damaged merchandise. Or, your child spray paints your neighbor’s garage and they sue you. Personal liability covers all of those instances.

Medical Payments

Covers injuries on your property.

Medical payments coverage pays for medical bills if someone else is hurt at your condo or the property around it. If someone is injured in a common area, your association’s insurance should instead cover that.

Example: Your child’s friend breaks his leg at your condo, and their parents ask you to pay the medical bill. Your medical payments will then cover the costs. Optional condo insurance coverages.

You can add any of these coverages to customize your policy based on your needs.

Water Back-Up

Covers water damage from backed-up sump pumps and sewer systems. Some condos have sump pumps in the basement or crawl space. Sump pumps pump water out from underneath and around the foundation. Sump pumps or plumbing/sewer systems can get backed up. If that happens, water can flood back into your condo, creating an expensive mess. Water back-up will then pay for damage to your belongings and water removal.

It’s best to check with your condo association to see if they cover this or not, as that can vary.

Example: The sump pump in your condo’s basement breaks down, and water floods your basement, damaging carpet, furniture, clothes, a TV, washer, dryer, etc. Water back-up then pays for the water removal and the damage to your belongings.

Personal Injury

Covers uncommon but expensive lawsuits and situations.

Personal injury coverage pays for legal fees and damages from:

  • Slander or libel lawsuits (something you say/write that damages a person’s reputation or business)
  • False arrest, detention, or imprisonment
  • Wrongful eviction
  • Lawsuits against you, such as wrongful entry or malicious prosecution

Example: Your teenage child damages their teacher’s reputation by posting something online. So, the teacher decides to sue you. Personal injury can then cover a lawyer, your court fees, and any damages you need to pay, subject to your policy.

At John Perry Insurance, our mission is to find the condo insurance policy that best suits your needs. If you are looking for a dependable insurance company in Florida, contact any of the numbers below: 863-777-4966 (Clewiston), 863-588-7336 (Labelle), or 863-824-5393 (Okeechobee)



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