- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
If you own a condo, you don’t insure the whole building. You insure what’s yours inside the unit—plus your belongings and liability.
At Tony Holliday Insurance, we help condo owners in Colorado Springs get coverage that makes sense. We explain what your HOA may cover, what it may not cover, and how to protect yourself without overpaying.
If you’re comparing all home policy types, start with Home Insurance in Colorado Springs.
Condo insurance helps protect the inside of your unit, your personal belongings, and your personal liability. It works alongside your HOA’s master policy, not instead of it.
Many condo owners assume the HOA covers everything. That’s a common mistake.
Your HOA master policy usually focuses on shared areas and parts of the building. Your condo policy focuses on your unit and your personal risk.
Condo insurance is often used to help cover:
If you rent out your condo, you may need a different policy. See Landlord / Rental Property Insurance.
Most condo policies include these core parts:
Your HOA master policy may be written in different ways. This changes what you need.
This usually means the HOA covers the building structure but very little of your unit's interior. In that case, you may need stronger interior coverage.
That usually means the HOA covers more of the unit's interior items, but you still need your own policy for belongings and liability.If you don't know which one your HOA has, we can help you figure it out.
Condo living comes with unique problems that homeowners don’t always deal with.
A leak from upstairs can damage ceilings, walls, floors, and personal items. Who pays can get messy fast, so strong coverage matters.
Even if the fire doesn't start in your unit, smoke and water damage can still affect your home and belongings.
If someone slips in your unit and you're responsible, liability coverage can help protect your savings.
Sometimes HOAs charge owners extra after big repairs. Some policies can help with certain assessments, depending on the cause and policy terms.
This is one of the most important parts of condo insurance. We'll help you set a limit that matches what you actually own inside.
Replacement cost coverage can help you replace items with similar new ones, instead of paying less based on age.
Many people choose higher liability limits than the minimum because lawsuits can get expensive quickly. If you want stronger protection beyond your condo policy, see Personal Umbrella Insurance
If you own jewelry, watches, or collectibles, standard limits may be too low. Extra coverage can better protect those items. Learn more about ( Valuable Items / Jewelry Insurance )
If you want stronger liability protection, an umbrella policy can add extra limits above your condo policy. Learn more about Personal Umbrella Insurance .
If you own jewelry, watches, or collectibles, standard limits may be too low. Extra coverage can better protect those items. Learn more about ( Valuable Items / Jewelry Insurance )
This can help if the HOA bills you for certain losses to shared areas, based on your policy terms.
You don’t need a long list of documents. Usually, we need:
Tell us about your condo and how you use it.
We'll go over interior coverage, belongings, liability, and useful add-ons.
You pick the option that feels right. We'll help you set it up correctly.
We help condo owners in nearby communities, including:
If you want simple answers and coverage that fits your condo, start here. We'll help you understand what your HOA covers and what you should cover yourself.
Sometimes it covers part of it, sometimes very little. It depends on how the HOA policy is written. Your condo policy covers what the master policy doesn't.
If you have a mortgage, your lender often requires it. Even without a mortgage, it's a smart way to protect your unit, belongings, and liability.
It can, depending on the cause and policy terms. That's one reason many condo owners choose strong interior and personal property coverage.
Homeowners insurance covers a house you own and its structure. Condo insurance is for the inside of your unit, your belongings, and your liability. If you own a house, see Homeowners Insurance
Often, the same day, once we have the condo address and a few basic details. If you have the HOA policy info, it can help speed things up.
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