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A photo of the living room of a well decorated, high-end apartment.

Condo & Co-op Insurance

For the unique risks of a city home

Notable coverage features for condos & co-ops

Flexible Blanket Coverage

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.

Coverage for Damage to Neighboring Units

We’ll pay up to $25,000 for damages to a neighbor’s unit caused by a loss that starts in your unit.

Extended Replacement Cost

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.

Loss Prevention Benefit

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.

Jewelry Coverage Included in Your Policy

A dedicated Collections policy helps to ensure that your jewelry is well protected. However, for added protection, our Condo & Co-Op insurance policy includes up to $50,000 of coverage for lost, misplaced or stolen jewelry.1

Flexible Deductible Options & Waiver of Deductible

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 you carry a deductible of $25,000 or less and experience a covered loss exceeding $50,000, we’ll waive your deductible.

Loss of Use

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.

Coverage for Pet Damage

Your condo insurance policy includes coverage for damage to your home that is caused by domestic animals.

1. Up to $25,000 for any single item. Requires contents coverage of at least $1 million.

Services to make your life easier

Proactively Preventing Risk at Your City Home

As part of your membership, a PURE Risk Manager may conduct a PURE360 Risk Management Consultation at your condominium or co-op to recommend steps to make it safer and more resilient. A PURE Risk Manager can then help you implement recommendations from start to finish.

Dedicated, Compassionate Claims Service

Our claims adjusters are experts at working with you to ensure your claims experience is hassle free. In addition to your adjuster, a dedicated PURE Member Advocate is there for you during and after your claim to help you locate alternate housing, coordinate contractors or other vendors and repair or replace damaged items.

Learn more about our services

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