Condo Insurance

Unlock a Great Condo Insurance Rate With Your AARP Membership

Your condo is your perfect home sweet home – and we’re here to help protect it. At The Hartford, we’re proud to be the only home insurance program endorsed by AARP. AARP^® Home Insurance from The Hartford¹ offers customizable coverage options to help safeguard your condo at a price that fits your budget.

To get your personal AARP member quote, call The Hartford today at 877-422-2345.

Condo Insurance Coverages

Whether your condo is full of original artwork, expensive technology or family heirlooms, The Hartford will help protect what you value most.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from flooding or earthquakes, but there are additional coverage options to help if these situations occur.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.²

'New for Old' Protection^‡‡

“New for Old” Protection^‡‡ helps replace your destroyed belongings with new ones of the same quality.

Tip:

From interior walls to flood insurance, be sure to compare your personal policy declarations and your condo association’s master policy to make sure you’re protected against a wide range of scenarios.

Condo Insurance Rates

The national average cost of condo insurance is just over $450 per year.³ However, condo insurance costs are based on many personal factors, such as:

The value of your personal property, such as art, jewelry, collectibles or antiques.
The type of coverage you choose and the amount of your deductibles.
Where your condo is located.
How you pay for your policy. (Depending on your carrier, you can receive savings by paying your condo policy up front and in full.)
Savings or benefits applied to your policy, like a multi-policy discount.
While condo insurance costs can change, even by each policy term, The Hartford works hard to make sure our plans are always renewed at a reasonable price.

Condo Insurance Discounts

As a member of AARP, condo insurance discounts and savings just for you are available through The Hartford, including:

Bundle Car and Condo Insurance

Shopping for car insurance, too? You can save over $800 when you bundle your condo and auto insurance with The Hartford.**

Home Protection

If you install fire protection devices, like fire sprinkler systems and monitored alarms, you could get a condo insurance discount. And you can get even more additional savings by making simple safety updates, like adding burglar alarms or security systems.

Gated Community Discount

If you live in a gated community, you may be able to get a discount on your insurance in certain states. Entrances protected by security guards, residence cards or key-lock devices all help keep your property safer, which can result in a lower insurance cost.

Why Choose The Hartford for Your Condo Insurance?

Outstanding Customer Service

The Hartford’s customer service representatives can help you compare condo insurance coverages and find the best option for you. Whether you’re ready to purchase a new policy or need to make an update to an existing account, we’re here to help. Enjoy peace of mind knowing you, your home and your loved ones are protected with The Hartford.

Fast and Easy Claims Process

Losses can be stressful, but filing a condo insurance claim shouldn’t be. The Hartford’s award-winning claim representatives are the most dedicated and caring in the industry, available 24/7 to answer questions and walk you through our simple condo insurance claim process. Check out our customer reviews to see for yourself.

Exclusive Discounts and Savings

Since 1984, The Hartford has been offering AARP members exclusive condo insurance benefits and savings, like offering a bundle insurance discount of over $800 when you combine your policy with The Hartford’s car insurance for seniors.**

couple happy after getting a Condo Insurance Quote

Get a Condo Insurance Quote Today

The Hartford is proud to provide condo insurance made with you in mind. To get started, get a quote online or speak with a representative at 877-422-2345. You’ll need to provide:

Basic personal details, like your name, address and date of birth.
Quick details about any additional people who live with you.
Information about your current condo insurance policy, like your current coverages or discounts, to help you compare.

Condo Insurance Frequently Asked Questions

What Does Condo Insurance Cover?

Condo insurance includes a range of coverages to help protect you, your condo and its contents from unexpected damage caused by fire, theft or injuries.

Standard condo insurance coverages include:

Dwelling coverage to help protect what you’re responsible for in your condo, including any alterations or improvements you’ve made, along with your appliances and fixtures.
Personal property coverage to help pay to fix or replace damaged belongings from a covered loss.
Loss of use coverage to help pay for your living expenses if your condo is unlivable due to damages from a covered loss.
Medical payments coverage to help cover someone else’s treatment expenses if they get hurt on your property. It also can help cover any injuries caused by a member of your household or pet, regardless of where it happens.⁴
Personal liability coverage to help cover claims that say you’re responsible for bodily injury or property damage.

Is It Worth Having Condo Insurance?

Condo insurance offers protection against many scenarios, including theft, fire or someone getting hurt on your property. But, while it’s important to have coverage, not all providers are the same. So, how do you pick the right one in a network of condo insurance companies? For over 40 years, The Hartford has offered the only condo insurance program endorsed by AARP. Through flexible coverage options, exclusive savings and expert service, we’re proud to provide the best protection possible for your condo.

Is Condo Insurance Required?

Whether your condo is in a shared complex or standalone townhome, insurance coverage is important to carry because it helps cover situations that your condo association’s insurance may not. Having your own policy, also known as an HO-6 form, with unique coverages tailored for you may not always be required, but that doesn’t mean you shouldn’t have it.

For example, loss assessment coverage is an optional endorsement that you can add onto your condo insurance policy. It helps protect you if you live in a shared community, like a condo or homeowners association (HOA), where you’re responsible for a portion of damage or loss in a common area.

Ultimately, the best way to learn your insurance requirements is to contact your association directly. In some cases, they may have their own rules or regulations.

How Is Condo Insurance Different From Homeowners Insurance?

Both condo and homeowners insurance help protect you, your property and your visitors from unexpected harm. But a key difference is that homeowners insurance provides protection for the entire building or property, including detached buildings like a shed. Condo insurance, on the other hand, only covers the areas you are responsible for per your master insurance policy agreement.

Do I Need Condo Insurance If My Association Already Has a Policy?

If you live in a condo, you likely already have condo association insurance, otherwise known as the master policy. But that may not provide enough coverage. Condo insurance helps to extend your protection, making sure you, your home and belongings are covered. Whether someone twists an ankle on your front steps or your TV gets struck by lightning, condo insurance offers financial protection that your master policy doesn’t.

How Much Condo Insurance Do I Need?

Protecting your home begins with an insurance policy customized to meet your unique needs. There is no one-size-fits-all when it comes to condo insurance. In fact, there are a number of things to consider. When selecting coverage limits, it’s helpful to assess the value of your appliances or belongings, and how much you’d have to pay out of pocket if they got damaged or stolen. The Hartford is here to help make sure you and your prized possessions are protected at 877-422-2345.

What Customers Are Saying About The Hartford

“I had a water leak from a condo next door which ruined my floor and I called Hartford and Neri was with me all the way I am happy to say with my new floor in place things are back to normal.”

Ruth, Indiana

“I was hesitant to file a claim as I have never done it before, but I'm very happy I did it. I live in a condominium building and discovered that the water damage was the responsibility of the HOA. Eva helped me navigate the process and understand it.”

Lizabeth, Illinois

“I was impressed how quickly everyone got back to me, even when I had additional questions. Great service.”

Charles, Arizona

“I've had two unfortunate leaks into my condo within a two year span from two different neighbors. The Hartford company authorized my repairs in a timely matter to the best of their ability.”

Therese, Texas

“This was a wonderful experience for me. All the individuals involved in the processing of my claim were courteous, patient and very understanding!!”

Cynthia, Virginia

“Although it was a very serious situation we found ourselves in, me and my family were well taken care of. With so many things to consider and not knowing the process of filing a claim The Hartford were very helpful with information and the progress of my claim.”

Maria, Arizona

How Much Homeowners Insurance Do I Need?

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Bundle and Save on Your Insurance Coverage

Get great rates and protection when you bundle your AARP Insurance coverages with AARP Auto and Home Insurance from The Hartford.

Last Updated: July 29, 2025

^2,4 Medical payments are calculated on the basis of usual, customary and reasonable charges.

³ NerdWallet, “The Average Condo Insurance Cost in 2025”

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.