Top O' Michigan Insurance Solutions

Condominium Insurance

A condominium insurance policy is designed specifically to meet your unique homeowner needs, including coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident.

When selecting your coverage, it is important to determine what is covered by your association’s master policy and what items you're responsible for. Typically, your condo association carries an insurance policy for the common areas, such as the lobby, walkways, boiler, basement, etc.

Property Protection

A condominium insurance policy is intended to help safe guard you from losses to your personal property and the interior of your unit. This can often times be a challenge because you will need to estimate:

  • The cost to repair or replace the inside of your home if it were damaged. 
    • If you have done any remodeling or improvements, keep track of the cost for that work so that you can be fully insured to return your unit as it was before a claim.
  • The cost to replace the contents of your home. 
    • Using a Home Inventory Checklist can provide you with a better idea of what you have on hand. This can often times be under-estimated because items such as groceries, toiletries or even "hand-me-down" furniture can be undervalued.

We recommend insuring your personal property for its replacement-cost value to help you replace yesterday’s purchases at today’s price tags.

Liability Protection

In addition to your belongings, the liability-to-others portion of your policy covers you against lawsuits for bodily injury or property damage that you or a family member—and some cases, pets—cause to other people. It pays for both the cost of litigation and any court awards, up to the limit of your policy, and covers you at home or away.

Additional Coverages to Consider

'Get a Quote' to protect your condo unit, personal belongings and liability with a personalized insurance solution!


Top Ways to Save On Your Premium

  • Consider raising your deductible.
  • Invest in a home security system.
  • Update exterior locks to dead bolts.
  • Install smoke alarms.
  • Select an automatic payment method.
  • Monitor your credit rating.
  • Ask about our multi-policy discounts.

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Mio
607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664