Condo insurance

Understand condo insurance coverage

Condo owners have different insurance needs than homeowners. We can help you understand the considerations.

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These products and services are offered to Wisconsin residents.

Condo insurance covers what your association does not.


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Condo owners have different insurance needs than homeowners because typically a portion of the insurance is provided by the condo association. But each association handles this differently, so understanding who covers what is important for protecting your investment. Let us help you evaluate your condo insurance needs.

For a free insurance consultation and comparison quote, give us a call at 1-800-279-4030 or schedule a personal phone consultation at a time convenient for you.

Calculate how much condo insurance coverage you need

Condo coverage consists of two parts

  • Structural items include anything that is physically attached to the unit such as countertops and flooring.
  • Content items include your personal possessions such as furniture and jewelry.

Structural coverage

Ask either your realtor, condo builder, or condo association the price per square foot to rebuild your unit. Remember that this price does not include any upgrades you may have added. For example, if you upgraded your kitchen with granite countertops and stainless steel appliances, be sure to adjust your coverage to include these upgrades.

Personal property coverage

Start by documenting the total original cost and estimated present value of your personal possessions. Download our free Personal Property Home Inventory eBook to help you organize this information.

Keep your coverage up to date

Condo owners must review the most updated version of their bylaws to adjust for any changes in coverage responsibility. Also any remodeling and/or upgrades to your unit can affect your coverage needs.

Our condo discount programs can save you money on your insurance premium

Review your coverage regularly with one of our Member Service Consultants to be sure you’re receiving all of the discounts for which you qualify.

  • WEAC Member Discount
  • Auto/Home Discount
  • Renewal Discount
  • Home Alarm System Discount
  • Smoke Alarm Discount

Another way to save money:

  • Increasing your deductible can reduce your premium costs without compromising your coverage.

Budget-friendly payment options

You can pay your premiums annually or use our popular automatic monthly payment option called SmartPlan. If you are employed by a district participating in Trust Advantage™, you can arrange payroll deduction to pay your premiums. Both SmartPlan and payroll deduction provide you with smaller, easier-to-manage payments.

Quick quote

Provide the following information and a Personal Insurance Consultant will contact you to complete your quote.

PLEASE NOTE: The information you submit above DOES NOT provide you with insurance coverage.