Condo Insurance

Condo insurance can help you avoid unwanted costs and unexpected coverage gaps not covered by a master policy.
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  • Customizable policies offer peace of mind in the event of tornadoes, hail, fire, theft, water backups, vandalism, and more.
  • Replacement cost coverage pays the full, current cost to repair or replace your belongings, without deduction for depreciation, up to the amount of coverage you purchased.
  • Loss assessment protection helps shield you from unscheduled assessments from the condo association, and liability coverage ensures that if you’re sued from a mishap in your condo, your legal fees are covered.
  • Identity Protection Services are included with each policy.1
  • Excellent customer service: 24/7 claims and flexible payment plans.

Get a quote and purchase online (select states only) or by phone at 844-577-4579. Or you can have one of our agents contact you by filling out this form.

I need to learn more about condo insurance.
Why do I need condo insurance? Collapsed Expanded

As a condo owner, your condo association probably has a master insurance policy that covers the building. However, this policy likely doesn’t cover your personal property, private structures or property that’s your responsibility under your property owner’s agreement, updates or improvements you’ve made to your condo, personal liability, or legal costs if something happens in your condo and you’re sued. Having your own insurance policy to enhance the master policy of your building ensures that you’re covered, just in case.

What’s covered with condo insurance from MetLife Auto & Home? Collapsed Expanded

Our condo insurance policies provide comprehensive coverage with the following features:

  • Replacement cost coverage, covers you in case you experience a covered loss in your condo that may not be covered by the master insurance policy. This includes any improvements or upgrades you’ve made to your condo and personal property you own (like your furniture, for example).
  • Loss assessment protection covers you in case a common area is damaged from a covered loss and the damage isn’t entirely covered by the condo’s master insurance policy. For example, if an elevator sustains damage from lightning and the cost to fix it exceeds what the master policy covers, you and other condo owners may be asked to contribute to make up the difference. With loss assessment coverage, you may not have to pay out of pocket if something like this occurs.
  • Liability protection protects your assets from personal liability, if someone is hurt or their property is damaged and you’re held responsible.
  • Legal defense covers court costs if you’re sued for a covered claim. We’ll help you pay for attorneys, document preparation, or other related expenses.
  • Your personal belongings are covered worldwide, so that no matter where you are, you’ll be covered if they are damaged or stolen.


Water backup coverage is optional coverage that will pay for loss if water backs up and damages your condo or belongings. Coverage includes back up through sewer or drains and sump pump overflow.

Can I purchase condo insurance online? Collapsed Expanded

In select states (listed below), you can quote, buy and service your condo insurance policy entirely online. We offer click-to-chat throughout the experience to help answer questions, but there is no agent, which means we can pass the savings on to you. This option is entirely self-service, which means you can pay a bill, make changes to a policy, and file a claim entirely online.

Or, if you don’t want to buy online, you can also get a quote and purchase through an in-person agent or over the phone with an agent. This option includes servicing of your policy directly with an agent or through our customer service centers. You choose the option that works best for you.

You can buy condo insurance online if you live in the states listed here (more states to be added soon):

  • Arizona
  • Illinois
  • Iowa
  • Idaho
  • Indiana
  • Missouri
  • New Mexico
  • Oregon
  • Utah
  • Wisconsin
  • Wyoming
Can I get a discount through my employer or association? Collapsed Expanded

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or group. We recommend entering your employer or association name when you are quoting so that we can offer you the best possible price.

How can I lower my condo insurance premiums? Collapsed Expanded

There are a few ways you can save on your condo insurance with MetLife Auto & Home: •

  • Safety discounts are available in most states. Your premiums will be lower if your condo has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%. Check out our Bundle and Save page for more details.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
How can I locate a contractor for repairs? Collapsed Expanded

MetLife Auto & Home has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

  • Over 2,200 certified General/Specialty contractors nationally
  • A two-year warranty on materials and labor provided
  • Continuous contractor credentialing process
  • Worker's comp. insurance protection for the contractors
  • Strictly monitored performance standards
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1 Identity Protection Services are available in NC homeowner policies with the optional "Identity Theft Expense and Resolution Plus" endorsement for an additional premium. 

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify.

This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details. 

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