Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
What does condo insurance cover in California?
Protection that fits how you live — reliable coverage for shared walls and personal spaces.
Dwelling coverage
for the actual structure of your home, inside and out.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Frequently asked questions about California condo insurance
How much is condo insurance in California?
The cost of condo insurance in California can vary widely based on several factors specific to you and your home. The best way to determine how much you’ll pay for coverage is to get a personalized quote.
How does condo insurance work in California?
Condo insurance (also called an HO-6 policy) covers the interior of your unit — including walls, floors, fixtures, and built-ins — along with your personal property and personal liability. Coverage does not extend to the building exterior, common areas, or structural elements maintained by the homeowners association (HOA).
Is condo insurance cheaper than home insurance in California?
Condo insurance is usually more affordable than coverage for a single-family home, because it does not cover as much. However, as wildfire risks and rebuilding costs continue to rise in California, even condo policies can be expensive and difficult to secure, especially in high-risk areas.
What does condo insurance cover in California?
Condo insurance automatically includes a few different types of coverage, each addressing separate causes of loss. Optional coverage add-ons, called endorsements, may be available to broaden the financial protection your policy offers. Ask your insurer for details.
|
Coverage type |
What it protects |
Covered claim example |
|
Dwelling (included in all condo policies) |
Interior of your unit, including walls, floors, fixtures, and built-ins |
Your insurer helps pay to replace a large section of drywall and flooring damaged by a burst pipe in your bathroom |
|
Personal property (included in all condo policies) |
Your personal belongings, up to your policy limit |
Your insurer helps pay to replace several pieces of furniture and electronics that are stolen during a burglary |
|
Personal liability (included in all condo policies) |
You against injuries or property damage you or other members of your household cause others |
Your dog destroys a guest’s laptop during your book club meeting. Your insurance helps pay to replace the computer. |
|
Loss of use (included in some policies) |
You from additional costs incurred while your condo is uninhabitable due to a covered loss |
Your insurance helps pay for the cost of your hotel stay while your condo is being rebuilt after a covered fire |
|
Loss assessment (typically only added by request) |
Your financial responsibility if your HOA seeks additional funding from condo owners after a large claim exceeds the master policy’s limit |
A large storm damages sections of roof and siding across your condo building. The cost of repairs is $320K, but your HOA’s master policy has a limit of $300K. The remaining $20K of damage is divided among the condo owners to cover the gap, which your loss assessment coverage helps pay for. |
What doesn't condo insurance cover in California?
Condo insurance in California does not cover all types of damage. Common exclusions are flooding, earthquakes, wear and tear, and pest damage. Flooding and earthquakes can be especially destructive, so condo owners have the option to purchase endorsements (optional policy add-ons) or separate policies to cover these sources of damage.
Flood insurance is available through certain private insurers or the National Flood Insurance Program. Earthquake insurance is also available through private insurers or the California Earthquake Authority.