Condo & Townhome Insurance: Coverage as Unique as Your Space
Get personalized coverage that perfectly fits your condo or townhome, backed by Fort Collins' most trusted insurance advisors
Don't Let Coverage Gaps Put Your Condo Lifestyle at Risk
Your condo or townhome is more than just a property – it's your sanctuary in the heart of our community. At FOCO Insurance, we understand that condo insurance needs are unique, combining elements of both homeowners and renters coverage. We'll help you navigate the complexities of HOA master policies while ensuring your personal space and belongings are fully protected. Our local expertise means we understand the specific challenges and requirements of Fort Collins condo living.
What you should know
Understanding what your HOA master policy covers vs. your personal policy needs, How to protect your personal belongings and interior improvements, Ways to save money while maintaining comprehensive coverage, Steps to ensure adequate liability protection for condo living
Ways To Save
Bundle your condo and auto insurance for significant discounts, Install security systems and smoke detectors for lower premiums, Choose a higher deductible to reduce monthly payments, Ask about loyalty discounts and other available savings, Review and update coverage annually to ensure optimal value
Prepare for your quote
Copy of your HOA master policy or coverage declaration, Details about your condo's location and security features, Inventory of valuable personal belongings, Information about any recent renovations or improvements, Current insurance policy (if applicable), Details about any previous claims or coverage
Why We Stand Out
Deep understanding of Fort Collins condo communities and HOA requirements, Access to multiple carriers for competitive rates and comprehensive coverage, Personalized service from agents who know you by name, Expert guidance in navigating complex insurance decisions
Understanding Your Home Insurance Options
FAQs
Standard condo policies provide limited coverage for home businesses. Additional coverage may be needed for business equipment and liability.
Typically covers fire, wind, hail, and lightning damage. Earthquakes and floods require separate policies.
It covers additional costs to repair/rebuild according to current building codes when making covered repairs.
It covers everything from the interior walls inward, including fixtures, flooring, and improvements you've made to the unit.
You choose a deductible amount that you'll pay before insurance covers a claim. Higher deductibles generally mean lower premiums.
Yes, to protect your investment and personal property, even without a mortgage requiring coverage.
Standard policies have limits on valuable items like jewelry. Additional coverage through scheduled personal property endorsements may be needed.
Coverage typically follows the master policy's delineation of responsibility between individual units and common elements.
Location, coverage amounts, deductible, unit features, security systems, claims history, and credit score influence premiums.
Your loss assessment coverage can help cover your share of costs that exceed the HOA's coverage limits.
Experience the Difference
Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.