Typically, policies provide separate limits for Additions & Alterations (your dwelling) and Contents (your belongings). Our Condo & Co-Op insurance policy allows you to combine these into one limit, giving you flexibility to apply coverage where it’s needed the most.

If a loss that starts in your unit causes damage to your neighbor’s unit, we will pay up to $25,000 for out-of-pocket expenses.¹ 

You can choose to add additional coverage to your policy so that in the event of a total loss, we’ll cover the full replacement cost of both Additions & Alterations and Contents up to 150% of your policy limit, with consideration to your building’s master policy.² 

For covered losses greater than $10,000, we’ll contribute up to $2,500 to help reduce the likelihood of a similar loss. Our members frequently use this benefit to invest in solutions like leak detection sensors or other smart home technology. 

A dedicated collections policy helps to ensure that your jewelry is well protected. However, for added protection, our condo & co-op insurance policy can include up to $50,000 of coverage for lost, misplaced or stolen jewelry.³ 

We offer flexibility to choose a deductible that best fits your lifestyle with options up to $250,000 for condos—the higher the deductible, the greater the savings. We also recognize that large losses can be extremely disruptive, so if the standard deductible on your condo & co-op policy (also known as your All Other Perils deductible) is $25,000 or less and you experience a covered loss that is more than $100,000, we’ll waive your deductible.⁴  

If your condo or co-op is unlivable following a covered loss, we will provide coverage for alternate living accommodations—whether you need short-term reservations at a nearby hotel or a comparable rental home in your neighborhood.⁵ 
 

Your condo insurance policy includes coverage for damage to your home that is caused by domestic animals, as well as coverage for your pet’s medical expenses if they are injured due to a covered loss. 

During the PURE360® Risk Management Consultation, a risk manager will recommend ways you can reduce risk to your condo or co-op, document its unique features to help you recover more quickly at the time of a claim and ensure you have adequate coverage. Our Risk Management Services team can help implement recommendations made by your risk manager, from vendor selection to appointment scheduling.

Our loss prevention programs are focused on helping members understand and take steps to minimize (or even eliminate) the different risks they face. We offer complimentary monitoring technology and repair services like Ting and LeakBot to proactively reduce the risk of electrical fires and water damage.¹ 
 

While we do everything in our power to help you prevent a loss, claims do happen. Our adjusters will work directly with you and do their best to deliver a hassle-free claims experience with speed, professionalism and compassion. Your adjuster and Member Advocate will provide support throughout your claim, including things like finding you temporary housing, connecting you with local contractors and vendors and replacing lost items.