Is Condo Insurance Really Necessary?

Condo insurance isn’t mandatory in California but it does offer a number of benefits to condo owners in the state. Condo coverage from Voi Insurance Solutions LLC can protect your Glendale condo and your belongings against incidents like fire, vandalism, and weather disasters that can cause extensive loss. If you’re not familiar with the protection that condo insurance provides, read on.


Individual condo insurance picks up where your association’s master insurance leaves off to protect the interior of your unit and possessions. It offers the following coverage:

Building Property – to protect interior structures in your condo such as carpeting, built-in appliances, cabinets, light fixtures, built-in wall units, etc. If your association’s master policy only offers bare walls coverage, building property insurance is a must to protect your investment against damage or total loss.

Property – protects your possessions like furniture, clothing, jewelry, artwork, and electronics. High-end goods may not be fully covered under a standard condo policy. You can, however, purchase additional insurance to protect these items.

Loss of Use – covers the cost of hotels, dining out, and other expenses if disaster damage makes it impossible to live in your Glendale CA condo until it’s repaired.

Liability – protects you against accidents that may happen on your property such as slip and falls, kitchen accidents, dog bites, etc. If a friend lands in the hospital after falling down your stairs, liability will cover his medical costs. If he sues you for damages, liability will cover your legal costs.

Importance of Condo Insurance

Condo insurance protects you against unfortunate events that can deplete your financial assets if you had to cover these costs on your own. You can have peace of mind knowing you have financial support when you need it most. To purchase a condo policy for your Glendale, CA condo, contact Voi Insurance Solutions LLC.