New Jersey Condo Insurance

Find the right condo insurance policy for you.


While NJ is a small state in terms of land area, New Jersey boasts a big population. With nearly nine million people sharing a relatively small piece of land, real estate can be difficult to find. Among the many types of homes in New Jersey, condominiums and townhomes are popular choices. With many people in close proximity, the risk of damage to your condo increases. If a neighbor is negligent and causes a fire, or if a severe weather event damages your condo, you are responsible for the cost of repairing the interior of your home. 

You can prevent a serious financial loss by purchasing the right New Jersey condo insurance for your condominium. An independent insurance agent in our network can help you find condo insurance, otherwise known as HO-6 insurance. These agents are not bound to one insurance company, which means they can supply several different New Jersey condo insurance quotes for you to compare. Contact a local member agent today, to get the right coverage for your home and budget.


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Our independent agents shop around to find you the best coverage.

Condo Listings in Jersey City

  • Avg. price of a 3-bedroom condo: $729,000
  • Avg. price of a 2-bedroom condo: $548,000
  • Avg. price of a 1-bedroom condo: $374,000

Your home may be your biggest investment, especially if you live in the middle of a dense, New Jersey metropolis. If severe weather strikes your area, you could face damages to windows and your ceiling. A New Jersey condo insurance policy can protect you from the expense of damage or loss caused by severe weather such as a tropical storm. New Jersey condo insurance can protect you financially from damage to your personal property, furniture and fixtures, potentially saving you thousands of dollars. A local agent can help you assess your property value and risks, to decide how much condo insurance you need.

What Does New Jersey Condo Insurance Cover?

Your condominium association has a master policy that covers liability and repairs for the common areas, such as lawns, sidewalks, pools and parking areas. It also covers damage to the structure of the building, including the exterior walls, and sometimes the plumbing, wiring, and windows as well. An independent agent can look over your condo association's master policy, to help you determine whether windows and other variables are covered. Aside from exterior walls and roofing, a condo insurance policy provides much of the same coverage as a standard homeowners policy:

  • Liability: Protects you from claims related to in-home accidents, including bodily injury and property damage, and related lawsuits, up to the limits of your policy.
  • Property damage: Pays to repair interior walls, ceilings, floors, and fixtures in case of a storm, fire, or vandalism.
  • Contents coverage: Pays to replace a portion of your personal property, including clothing, appliances, furniture, and electronics, in case of disaster or burglary.

If you only use your condo as a vacation home, you may need vacant condo coverage, to insure it while you are away. An independent agent can discuss this type of New Jersey condo insurance, as well as many others you may need.


Save on Condo Insurance

Our independent agents shop around to find you the best coverage.

What If I Rent a Condominium?

As with any other rental home, you can get renters insurance to cover the actual cost or the replacement value of your personal property, such as furniture and electronics. Most renters keep at least $20,000 in personal property in the home, so an inexpensive renters policy pays for itself many times over if you suffer a total loss catastrophe.

How Can I Find New Jersey Condo Insurance?

When you are in the market for insurance for your townhome, a local agent in our network can help you compare New Jersey condo insurance quotes from a number of reputable companies. Independent agents work for you, not an insurance company, and can offer unbiased advice about coverage that best meets your needs. With the right condominium policy in place, you can enjoy your investment with peace of mind. 

Find a member agent in our network to get the right New Jersey condo insurance for you.

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