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condo insurance in Connecticut

Protect Your Condo, Inside and Out — With Condo Insurance That Works for You

Whether you own a high-rise condo in Stamford, a unit near the shoreline in New Haven, or a townhouse in West Hartford, your home is more than just four walls — it's your investment, your sanctuary, and your future. At Insure Connecticut LLC, we help condo owners across Connecticut and licensed states find the right condo insurance coverage that protects what your HOA doesn’t.

A modern, sunlit condo interior with large windows, minimalistic furniture, and personal touches like framed photos and plants. The view through the windows shows a Connecticut cityscape (such as West Hartford or Stamford). Add a subtle overlay of an insurance shield icon in one corner, with a soft tagline that reads: “Protect What’s Yours. Condo Insurance Made Simple.” The tone should feel safe, warm, and professional. Style: clean, editorial, and friendly.

What is condo insurance?

Many condo owners mistakenly assume the HOA’s master policy covers everything. But in most cases, it doesn’t protect:

✅ Your personal property
✅ Renovations or upgrades (like hardwood floors or granite countertops)
✅ Accidental injuries inside your unit
✅ Damage that starts in your unit and affects others (e.g., kitchen fires, plumbing leaks)

Without the right policy, you could be financially responsible for repairs, replacements, or lawsuits. That’s why having the right condo insurance policy matters.

What Does a Condo Insurance Policy Cover?

Here’s a breakdown of common condo insurance coverages:

Coverage Type
What It Protects
Loss Assessment
Your share of HOA insurance deductibles or uncovered losses
Loss of Use
Hotel and living expenses if your condo is uninhabitable
Liability
Legal costs if someone is injured in your unit
Personal Property
Furniture, electronics, clothing, valuables
Dwelling (Interior)
Fixtures, walls, flooring, built-in appliances

We’ll help you customize your coverage based on your unit, location, and HOA agreement.

Who Needs Condo Insurance?

You need condo insurance if you:

  • Own a condo or townhouse

  • Have a mortgage (most lenders require it)

  • Want to protect your property, liability, and financial future

  • Live in a state where hurricanes, storms, or other risks are common (like Connecticut!)

How Much Does Condo Insurance Cost in Connecticut?

On average, condo insurance in Connecticut ranges from $300 to $600 per year, depending on:

  • Unit value and interior upgrades

  • Amount of personal property

  • Desired deductible

  • Claims history

  • HOA policy details

The good news? We shop multiple top-rated insurance companies to find you the best rate and value.

Why Choose Insure Connecticut LLC?

As an independent insurance broker, we’re not tied to one company — we’re tied to you. Here’s how we stand out:

✅ Local expertise – We understand Connecticut condo risks, laws, and HOA master policies
✅ Personalized coverage – Tailored policies that fit your needs, not one-size-fits-all
✅ Competitive pricing – We compare multiple quotes so you don’t have to
✅ Fast, friendly service – Real people. Real answers. Real protection.

Ready to Get the Right Condo Insurance?

Whether you’re a first-time buyer or a seasoned property owner, we’ll help make condo insurance simple and stress-free.

📞 Call us at (860) 970-0977
💬 Request a Quote Online
📍 Serving West Hartford, Hartford County, and all of Connecticut and licensed states

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