Condominium Insurance in Indianapolis, IN

At Merritt-Hall Insurance we understand the needs of condo owners in Indianapolis, IN, and we’re here to help you secure the right coverage.

How Condo Insurance Works and What It Covers

Condo insurance is designed to fill the coverage gaps left by most condo association master policies. While the association typically insures the building’s exterior and common areas, it’s up to you to insure what’s inside your unit. A condo insurance policy may include:

• Personal property protection which covers your belongings (e.g., furniture, electronics and clothing) against risks like fire, theft or vandalism.

• Interior structure coverage is what insures fixtures, walls, flooring and any improvements you’ve made inside your unit.

• Liability insurance offers financial protection if someone is injured in your condo or if you accidentally cause damage to another party’s property.

• Loss of use coverage can help cover additional living expenses if your condo becomes uninhabitable due to a covered loss.

Why Condo Owners Need Coverage

Condo owners must be aware that their association’s master policy may not cover everything, especially when it comes to personal property or improvements you’ve made to your unit. Our team helps you review your association’s policy and identify any coverage gaps so you have appropriate coverage.

Explore Condominium Insurance Options Today

Contact Merritt-Hall Insurance in Indianapolis, IN to review your condo insurance needs and explore policy options that align with your building’s requirements and your individual unit ownership.