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Condo Insurance

Condo insurance can help you avoid unwanted costs and unexpected coverage gaps not covered by a master policy.

  • Customizable policies offer peace of mind in the event of tornados, 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.
I need to learn more about condo insurance.
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FAQs
Why do I need condo insurance?

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?

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

  • Replacement cost coverage, which covers you in case you experience damages in your condo that aren’t 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 and the damage isn’t entirely covered by the condo’s master insurance policy. For example, if an elevator breaks 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 protection coverage, you won’t 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.
  • Worldwide coverage, so that no matter where you are, if your personal belongings are lost, stolen or damaged, you’ll be covered.
  • Water backup coverage is optional coverage that will pay for costs if water backs up and damages your condo or belongings. Coverage includes spills and run-off from sewers, drains, and sump pump wells.
How can I lower my condo insurance premiums?

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?

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

Find the right condo insurance today.

We can help you find solutions to meet your unique needs. Just fill out the form—there's no obligation.

Contact MetLife: All fields are required

By clicking submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.

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, and discounts 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. 

© 2016 MetLife Auto & Home