Condo Insurance in Hawaii
Owning a condominium carries its own responsibilities. You, not the homeowner’s association, are responsible for what’s inside your condo. That’s why it is critically important to have a condo insurance policy!
Your condo association will have a master policy that will cover the property, common areas and physical structure of your building. That said, they do not cover what is inside of your condominium, such as your carpet, your clothes and your furniture!
That’s why you need condo insurance.
Condo insurance will typically include coverages, such as:
- Personal property
- Replacement value of your primary dwelling and specified permanent attachments, up to a specific value
- Bodily injury if someone is hurt on your property (just like a homeowner’s policy)
- Liability for property damage
- Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass breakage, etc.
A traditional condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors and ceiling coverings. Most condominium associations will say that the owner is responsible for everything within the unit, including permanently attached fixtures and improvements such as kitchen cabinets and appliances.
When you’re ready to shop for Condo Insurance, also known as an HO6 policy, call Carr’s Insurance at 808-836-CARR or 808-836-2277.
We also sell Renter’s Insurance and Homeowner’s Insurance in Hawaii!
Frequently Asked Questions about Condo Insurance
What does condo insurance cover?
Condo insurance covers what is inside of your condo, not the building itself. Your HOA master policy will protect the building while a condo policy is intended to protect everything inside of your walls such as your kitchen cabinets, appliances, clothes, etc.
What does condo insurance not cover?
A condo policy does not cover the building’s exterior or common areas.
Do I need condo insurance?
You need to have condo insurance if you live in a condominium. The building itself is protected by the master HOA policy on your condo, but everything inside your unit is not covered unless you have your own condo insurance.
GET A QUOTE
Carr’s Insurance Agency represents the top-rated insurance companies in both Hawaii & Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: (808) 836-2277 or click the button below to send us a message for your quote.
Hawaii Office
Wahiawa, HI 96786
Washington Office
Stanwood, WA 98292-8019
About Us
Carr’s Insurance Agency opened its doors in Hawaii in 1990 and is happily serving Oahu, Maui, Hawaii, Kauai and Molokai and recently opened an office in Washington State. We believe we have thrived in our home of Hawaii because of the respect and aloha we provide to our customers. Carr’s Insurance Agency will go the extra distance to make sure you get the service you deserve We offer All lines of Insurance. Carr’s Insurance Agency is available online 24/7. Feel free to stop into our office or call us anytime. If you are interested in an insurance quote, and would like a licensed agent to contact you, please click here or call 808-836-2277 (CARR)