Condo Insurance

Coverage that fills the gaps in your HOA’s policy.

Owning a condo means shared responsibility—your HOA covers some things, but not everything. At Pennsylvania Insurance Specialists, we help condo owners protect what’s theirs, with policies that cover your unit’s interior, your belongings, and your personal liability.

Know What’s Yours—and What’s Not

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Condo insurance typically protects what’s inside your unit, including walls, fixtures, appliances, and personal property. It also covers liability if someone is injured in your home, and may include loss assessment coverage for damage to shared areas. We’ll help you understand your HOA’s master policy and make sure nothing important is left unprotected.

Get a Free Condo Insurance Quote

Let’s make sure your coverage matches your space. We’ll review your HOA’s policy and tailor your protection to fit your home.


Call (724) 238-2378 or request your quote today.

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Condo Insurance FAQs

  • What’s a master policy, and why does it matter?

    Your condo association’s master policy typically covers shared spaces and the building structure. Your personal condo policy fills in the rest.




  • Does condo insurance cover flooding or earthquakes?

    Not by default. These can be added through separate policies or endorsements if needed.




  • Is personal liability included?

    Yes. If someone is injured inside your unit, your condo insurance can help cover legal and medical costs.