Do NOT Buy Seattle Condo Insurance Until You Read This…

At we believe obtaining a condo insurance quote and buying a condominium insurance policy should be quick and easy. Whether you own a condo in a sky rise in downtown Seattle or on the shores of Lake Washington this guide will provide the information to make informed decisions. We represent the leading condo insurance companies offering condo unit owners insurance in Seattle. To get more information about your options:

Just give us a call at 1-888-999-2598


Fill out our Seattle Condo Insurance Quote Form

Why Do I Need Condo Insurance in Seattle?

On January 13, 2015 a fire ripped through a condominium unit in north Seattle by Northgate. Hopefully we don’t need such a drastic event to occur to convince us we need condo insurance but it is a good reminder that accidents do happen. So the quick answer, if you own a condominium, is that you need condo insurance. If you are still in doubt then you need to first determine what kind of condominium association master insurance policy you have on your building. With that information you can estimate how much building property is not covered. Ask yourself, if my condo suffered a complete loss am I prepared to pay the amount necessary to rebuild my unit? Also, if all your personal property was destroyed as well do you have the money to replace it? Finally, if you are liable for the destruction of someone else’s property (candle fire in your condo destroys your neighbors unit) do you have hundreds of thousands of dollars set aside to make things right? After asking themselves these questions, most condo owners decide buying a condo insurance policy is the smartest method to mitigating these risks. Condo insurance is also known as HO6 policy.

Doesn’t My Seattle Condo Association’s Master Insurance Policy Cover My Condo?

Yes, and no. There are two kinds of condominium association master insurance policies:

Bare walls-in: covers property from the exterior framing inward, but does not cover fixtures and installations inside the condo unit. For example, countertops, flooring, and bathroom and kitchen fixtures are not covered by the master policy.

All-in: covers fixtures, installations or additions within the interior surfaces of the outside walls, floors and ceilings of each unit.

Both Bare walls-in and All-in condo association master policies cover different levels of building property but the following is not covered by either policy:

  • Personal Property
  • Personal Liability
  • Loss of Use
  • Loss Assessment

What Does Condo Insurance Cover?

Building Property Protection: real property in your condo unit which are your insurance responsibility according to the governing rules of the condominium. Included are building additions and alterations, installations or additions to your condo.

Personal Property Coverage: This will replace your stuff owned or used by insured anywhere in the world.

Loss of Use (Reimbursed Living Expenses): Pays for the additional living costs if a covered loss makes your condo uninhabitable. It typically reimburses food and a place to live while your condo is being repaired.

Loss Assessment Coverage: Pays for your share of any assessment charged against all condo owners by the association when the assessment is a result of a covered loss, personal injury, illegal discrimination, and libel, slander, defamation of character, or invasion of rights of privacy.

Personal Liability Coverage: If someone sues you because of bodily injury or property damage this coverage pay for legal costs and damages assessed.

Medical Payments to Others (Guest Medical Coverage): Helps pay the medical costs if someone is injured in your condo.

Additional Coverages:

  • Debris Removal
  • Temporary Repairs
  • Trees, Shrubs and other Plants
  • Fire Department Service Charge
  • Property Removed
  • Credit Card, Bank Fund Transfer Card, Forgery and Counterfeit Money
  • Power Interruption
  • Refrigerated Products
  • Arson Reward
  • Volcanic Action
  • Collapse
  • Locks

Optional Condo Insurance Coverages:

  • Earthquake Insurance
  • Flood Insurance
  • Scheduled Personal Property/Personal Articles Policy or Floater
  • Identity Theft Coverage
  • Personal Umbrella

Perils Covered by Seattle Condo Insurance

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, Snow, or Sleet
  • Sudden and Accidental Discharge or Overflow of Water
  • Sudden and Accidental Tearing Asunder, Cracking, Burning or Bulging of a steam or hot water heating system
  • Freezing
  • Sudden and Accidental Damage to electrical appliances
  • Breakage of Glass

Perils NOT Covered by Seattle Condo Insurance

  • Freezing in Vacant Condo
  • Freezing in Swimming Pool or Hot Tub
  • Theft in Building Under Construction
  • Vandalism or Glass Breakage in Vacant Condo
  • Continuous or Repeated Seepage or Leakage of Water or Steam
  • Wear, Tear, Marring, Scratching, Deterioration, Inherent Vice, Latent Defect or Mechanical Breakdown
  • Corrosion, Electrolysis or rust
  • Mold, Fungus or Wet or Dry Rot
  • Contamination
  • Smog, Smoke from agricultural or industrial operations
  • Settling or Bulging of floors, Walls, or Roofs
  • Birds, Vermin or any other animal damaging your condo
  • Pressure from a Tree
  • Ordinance or Law
  • Earth Movement
  • Flood
  • Neglect
  • War
  • Nuclear Hazard
  • Government Action

Which Insurance Companies Offer Condo Insurance in Seattle?

Allstate Condominium Insurance Farmers Condo Insurance
SAFECO Condo Insurance State Farm Condo Insurance
Progressive Condo Insurance Liberty Mutual Condo Insurance
Esurance Condo Insurance Geico Condo Insurance
Pemco Condominium Insurance Travelers Condo Insurance
Nationwide Condo Insurance USAA Condo Insurance
The Hartford Condominium Insurance American Family Condo Insurance
Metlife Condo Insurance Country Financial Condo Insurance
Allied Insurance Condo Insurance Ameriprise Condo Insurance
Mercury Condo Insurance Kemper Condo Insurance
National General Condo Insurance Erie Condo Insurance
Amica Condominium Insurance American National Condo Insurance

Is Cheap Condo Insurance Rates the Best Condo Insurance?

Sometimes the cheapest condo insurance rates could be the best insurance for your needs but sometimes matching your particular insurance needs with the right condo insurance company is where we can help.  We represent over ten of the top condo insurance companies and can help to find the perfect match of price, coverage, and convenience.

How Much Does Condo Insurance Cost in Seattle?

Condo insurance in Seattle can vary depending on how much building, property, and liability coverage you desire. Rates also depend on which Seattle neighbor hood your condominium is located. Your annual condo insurance premium can range for as little as $150/yr to as much as a few thousand.

Should I Go With an Insurance Agent to Get a Condo Insurance Quote or a Broker?

Insurance agents typically represent only one insurance company whereas a broker represents several companies. We recommend you get a quote from us because we get condo insurance quotes from multiple companies and find the best rate and insurance agent or broker for you.

Condo Insurance is Available in the Following Seattle Neighborhoods and Zip Codes:

Seattle Neighborhoods: Ballard, Beacon Hill, Belltown, Blue Ridge, Boulevard Park, Broadview, Burien, Capitol Hill, Central Area, Columbia City, Downtown, Eastlake, Fremont, Georgetown, Green Lake, Greenwood, International District, Kenmore, Lake City, Lake Forest Park, Laurelhurst, Madison Park, Madrona, Magnolia, Montlake, Mount Baker, Northgate, Phinney Ridge, Pioneer Square, Queen Anne, Rainier Beach, Rainier Valley, Ravenna, Riverton, Sandpoint, Seward Park, Shoreline, Sodo, South Park, University District, Wallingford, West Seattle, White Center, Windermere

Seattle Zip Codes: 98101, 98102, 98103, 98104, 98105, 98106, 98107, 98108, 98109, 98112, 98115, 98116, 98117, 98118, 98119, 98121, 98122, 98125, 98126, 98133, 98134, 98136, 98144, 98146, 98155, 98177, 98178, 98199

How Do I Get a Seattle Condo Insurance Quote?

At we believe insuring your condo should be quick and easy. That is why we represent the leading condo insurance providers in Seattle, so you only need to shop once and get all your options. There are two ways to get a condo insurance quote:

Just give us a call at 1-888-999-2598


Fill out our Seattle Condo Insurance Quote Form