Condo Insurance in Pennsylvania

Experts break down condo insurance costs, coverages, companies, and more in Pennsylvania

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


When you're shopping for the perfect condo insurance policy, you'll have some options. Condo insurance helps protect you against risks on or to your property. However, it's not the same as a traditional homeowners policy, and should be reviewed with an expert.

A Pennsylvania independent insurance agent can assist in finding coverage that suits your individual needs. They work with multiple carriers at once, freeing up your time and giving you the best policy comparisons in town. Connect with a local adviser to get started for free.

What Is Condo Insurance?

Pennsylvania condo insurance, also referred to as an HO6 policy, is a type of homeowners insurance but for condo unit owners. Coverage works a bit differently than your standard single-family dwelling. Here's what it covers:

  • Condo insurance: Pays for losses that involve fire, theft, vandalism, property damage, and liability claims. Unlike your traditional homeowners policy (an HO3 or HO5), a condo policy doesn't pay for losses occurring to the outside of the structure itself. Instead, any claim filed against the outside structure would be reported on the homeowners association (HOA) master insurance policy.

What Does Condo Insurance Cover?

Your Pennsylvania condo insurance policy will come with automatic coverages that are adjusted according to your needs and budget. The typical coverages are as follows:

  • Liability coverage: This coverage is similar to other homeowners policies and pays for injuries or property damage of a third party that they may experience while on your property. This includes any lawsuits that may arise from said claim.
  • Contents coverage: Also known as property damage coverage, and it can help pay to repair or replace your belongings in the event of a fire, severe weather, theft, vandalism, or any other covered loss that damages or destroys your items.

Unfortunately, your condo insurance will not come with flood protection. This means you'll need to obtain a separate flood insurance policy in order to have coverage for flood damage.


Save on Condo Insurance

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

How Much Does Condo Insurance Cost?

In Pennsylvania, several different risk factors will affect your condo insurance premiums. Among them are the following items carriers look at when rating your coverage:

  • Claims history
  • Square footage
  • Personal property
  • Content value
  • Insurance score

Although your condo insurance rates will be individualized, a good rule of thumb is to plan for it costing between $200 and $800 annually.

What Are the Best Condo Insurance Companies?

Some of the best condo insurance companies can be found through a local adviser for free. Here are the most common in Pennsylvania:

Best Condo Insurance Companies in Pennsylvania Star Rating
Nationwide Insurance
5 star rating
Travelers Insurance
5 star rating
Stillwater Insurance Group
5 star rating
Safeco Insurance 
4.5/5 star rating

These carriers are highly rated due to their superior customer service and claims handling. To find the one that's meant for you, consider working with a knowledgeable agent.

Why Shop Condo Insurance with an Independent Insurance Agent?

If you're shopping for condo insurance, there are several options you may have as an owner. Obtaining the right coverage may seem like a daunting task if you're unsure where to begin. Fortunately, a trusted adviser can help for free, making it simple. 

When you work with an independent insurance agent, you'll have numerous choices when it comes to condo insurance. They have a network of multiple top-rated carriers so that you're fully protected. This allows you to obtain a lower premium as well. Get connected with a local expert today.

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