Condo Insurance in Washington

Coverage That Bridges the Gap Between Your Condo Association and What You Own

Owning a condo is different from owning a house—and it requires a different kind of protection. Your condo association's master policy only goes so far. You’re responsible for everything inside your walls—and sometimes more.



At Strategy Insurance Brokers LLC, we help Washington condo owners secure smart, tailored coverage that protects their unit, belongings, and liability exposure—so there are no surprises.

What Does Condo Insurance Cover?

Interior Structure (Dwelling Coverage)

Covers walls, floors, built-ins, and upgrades inside your unit if your association’s policy doesn’t.

Personal Property

Protects your belongings—furniture, clothing, appliances, and valuables—from theft, fire, and more.

Loss of Use

Pays for temporary living expenses if your condo becomes unlivable due to a covered event.

Personal Liability

Covers medical or legal expenses if someone is injured inside your unit.

Loss Assessment Coverage

Helps pay your share of a claim charged to all unit owners by the HOA, such as property damage or injuries in common areas.

Who Needs Condo Insurance?

Any unit owner in:


  • Condominiums
  • Townhomes governed by an HOA
  • Co-op Housing Units (in some cases)
  • New Construction Condos


Whether your building is high-rise, low-rise, or part of a shared community, condo insurance helps you cover your part of the responsibility.

Condo Insurance FAQs

  • Why do I need condo insurance if the HOA has a policy?

    The HOA's policy usually covers the exterior and common areas, but you’re responsible for the interior of your unit and all your personal belongings. We'll review your HOA documents and help fill in the gaps.

  • What’s “loss assessment” coverage?

    It protects you if the HOA charges owners to help pay for a covered claim—like storm damage to the roof or a liability lawsuit related to a shared space.

  • Do I need dwelling coverage if my HOA has a “walls-out” policy?

    Yes—if the HOA only covers the structure up to the walls, you’ll need your own policy to protect the interior finishes and any improvements you’ve made.

  • Is flood or earthquake damage covered?

    Not under a standard condo policy, but we can add or write separate policies for these risks based on your location.

  • Can I bundle condo and auto insurance?

    Yes—and bundling can save you money while keeping your policies under one roof.

  • What if I rent out my condo?

    You’ll need a different type of policy—landlord or rental property coverage. We can help make that transition easy.