Protect your Condo from fire, theft, and more

Condominium Insurance

Condo insurance for what your association doesn't cover

Need insurance for your condo or townhouse?

Condominium Insurance should not be overlooked. Your condo association will possibly have a COA policy to cover the mutual areas & grounds of a complex. That doesn’t cover damages done inside your condominium. This may be different th Incidents & theft happens within your condominium, requires the right coverage.

Smoke Damage, Theft & Vandalism
Unintentional overflow from plumbing

As a condo owner in Charleston SC, you need condominium insurance that covers what your HOA master policy does not. Bridge Insurance compares rates from multiple carriers to find you the best condo coverage. The National Association of Insurance Commissioners recommends reviewing both your HOA policy and personal condo insurance to avoid coverage gaps.

We also offer home insurance, renters insurance, and flood insurance for complete property protection.

Accidental electrical destruction to devices
Covers lawsuits against you or family members
Protection against legal cases you’re legally obligated to pay
Medical Expenses & Accidental death benefits

Condo insurance for what your association doesn’t cover

Personal Property
Loss of Use
Liability (Personal Liability Protection)
Temporary living expenses during repairs
Property damage
Medical payments
Water back-up

Understanding the difference between your HOA master policy and your personal condo insurance is essential. The master policy typically covers the building structure and common areas, while your personal policy covers everything inside your unit walls, including flooring, cabinets, fixtures, and personal belongings.

How Much Does Condo Insurance Cost in Charleston?

The cost of condo insurance in the Charleston area depends on factors such as the value of your personal property, the location of your building, your deductible, and the coverage limits you choose. Many condo owners in South Carolina pay between $300 and $800 per year for a comprehensive HO-6 policy.

Flood zones, coastal proximity, and building age can also impact your premium. Since Charleston is in a hurricane-prone region, having adequate windstorm and flood coverage is particularly important for condo owners.

Bridge Insurance works with multiple carriers to compare rates and find the best value for your situation. Our agents can review your HOA master policy and identify any coverage gaps that your personal condo insurance needs to fill. Call (843) 974-5150 for a free condominium insurance quote today.