Condo insurance made for you
Protect your condo with top-rated coverage that could save you money.
Protect your condo with top-rated coverage that could save you money.
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
From small claims to disasters, we're here to help you recover quickly.
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
Our licensed insurance experts are available to help via email, phone, or live chat.
Condo insurance, or H06 insurance, is the policy that covers your unit’s interior from the walls in, which includes your personal property. (For that reason, it’s sometimes referred to as “walls-in” or “paint-in” coverage.) Unlike single-family homeowners who must insure their home’s entire structure, you’re only responsible for insuring the interior — your condo association’s master insurance policy covers your unit’s exterior and the common areas.
Other structures — your HOA’s master policy will cover shared structures like fences
The entire building — the master policy is responsible for the building’s exterior
Certain perils — like earthquakes, floods, demolition to bring the home up to code, and seizure or demolition by the government
Condo building owners
Certain structures — like single-family detached homes and mobile homes
Homeowners insurance must cover the entire structure of the home inside and out. On the other hand, because condo insurance has help from the HOA’s master policy, it only needs to cover the interior of the home. That usually means that condo insurance is much less expensive than homeowners insurance.
Homeowners and condo insurance policies also differ on personal liability. Condo owners have much less personal liability exposure than a homeowner, who has to worry about visitor injuries anywhere on their property (like the driveway, the backyard, or the porch). If a guest is injured in a condominium’s shared areas, it may end up being the HOA’s responsibility.
Your HOA fees help pay for a master insurance policy that covers your building’s exterior. There are three types of condo master insurance policies:
Bare Walls Coverage — This is the most bare bones master policy; it only covers the building (its exterior, roofing, framing, wiring, insulation, and drywall) and common areas
Single Entity Coverage — This covers everything a Bare Walls policy does, plus built-in fixtures in individual units
All-in Coverage — This is the policy with the most protection. It covers the structure, common areas, and built-in fixtures, plus individual unit additions and improvements.
If you own a condo, then the answer is a resounding YES. This is the only kind of policy designed to work with your condo association’s master insurance policy. At Kin, we can offer you condo coverage if:
You own a townhouse, rowhouse, or unit in a high rise
Your condo is your primary residence, seasonal residence, or if you rent it on home-share sites like Airbnb
The condo is owned by an LLC or trust
Kin offers condo insurance in Florida.