Condo Insurance in Massachusetts
Protect your unit, your belongings, and your peace of mind from the walls-in.
When you buy a condominium in Massachusetts, your Condo Association or Homeowners Association (HOA) holds a "Master Policy." Many first-time condo buyers assume this policy covers everything. It doesn’t.
Your association's Master Policy typically only covers the building's exterior, the roof, and common areas like lobbies, hallways, and elevators. When it comes to the inside of your unit—your kitchen cabinets, flooring, appliances, and all your personal belongings—you are completely on your own.
At Surprenant Insurance, we help MA condo owners navigate their association's bylaws to build the perfect Condo Insurance Policy (HO-6), ensuring there are no expensive gaps if disaster strikes.
What Does a Standard Condo Policy Cover?
A well-crafted condo policy picks up exactly where your condo association's master policy leaves off:
Dwelling / Building Property Coverage: Protects the physical interior of your unit. If a pipe bursts and ruins your drywall, hardwood floors, and custom cabinets, this coverage pays to repair or replace them.
Personal Property Coverage: Pays to replace your clothing, furniture, electronics, bicycles, and everyday items if they are damaged by fire, smoke, water, or if they are stolen. (This covers your items even if they are stolen out of your car!)
Personal Liability: Protects you financially if a guest slips and falls inside your condo, or if you accidentally cause property damage to a neighbor (for example, your bathtub overflows into the unit below you).
Loss of Use: If a fire or severe water leak makes your unit temporarily unlivable, this pays for a hotel, meals, and other living expenses while repairs are made.
The Massachusetts Must-Have: Loss Assessment Coverage
If a major storm damages the condo building's roof or someone is injured in the complex swimming pool, and the cost exceeds the HOA's Master Policy limits, the association can legally assess the remaining cost to the condo owners. Supplemental Loss Assessment Coverage protects you from having to pay out-of-pocket for these unexpected association bills.
Our Featured Condo Insurance Partner
Featured Partner: Plymouth Rock Assurance
We proudly partner with Plymouth Rock, a New England insurance powerhouse that has been protecting Massachusetts homes for over 40 years. Plymouth Rock offers highly customizable condo policies that allow us to tailor your coverage to your exact needs.
Why Choose a Plymouth Rock Condo Policy?
Unmatched Endorsements: We can easily add powerful Plymouth Rock options like Home Systems Breakdown (to protect your HVAC or furnace), Identity Theft Protection, and Replacement Cost coverage so your older belongings are replaced with brand-new items.
Massive Bundling Discounts: Plymouth Rock offers significant premium discounts—up to 20%—when you bundle your Massachusetts condo insurance with your auto insurance policy.
Let Us Review Your Master Policy
Condo insurance isn't a one-size-fits-all product. Because every MA condo association drafts their Master Policy differently, the amount of "walls-in" coverage you need varies drastically from building to building.
Send us your Master Policy, and our local agents will review it to build a quote that perfectly bridges the gap.