Condo Insurance That Fills the Gaps

Because Your HOA Doesn’t Cover Everything


Owning a condo gives you the best of both worlds—but it also comes with unique insurance needs. Most HOAs have a master policy, but those policies often stop at your unit’s drywall. That leaves your personal property, interior finishes, and liability on you.



At Dwyer Insurance, we help you understand what your HOA does and doesn’t cover—then build a policy that protects everything in between. No jargon. No surprises. Just solid coverage where you need it most.

Coverage That Complements the HOA

What you don’t know about your master policy could cost you.

5 Must-Know Tips for Condo Owners:

Know Your Master Policy Type

"Walls-in" vs. "walls-out" coverage determines what you’re responsible for inside your unit.

List Upgrades and Improvements

New countertops? Built-ins? Make sure they’re included in your personal coverage.

Add Personal Property Protection

The HOA doesn’t cover your stuff—that’s up to you.

Consider Loss Assessment Coverage

If your HOA issues a special assessment, this add-on can help cover your share.

Liability Still Matters

Accidents, injuries, and legal issues don’t stop at the front door.

Let’s close the gaps with clear, comprehensive coverage.

Standard coverage built for condo living.

What’s Typically Included

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Building interior (floors, walls, fixtures)

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Personal property

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Liability protection

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Loss of use


Customize your policy for added peace of mind.

Optional Coverage Add-Ons

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Loss assessment

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Sewer backup

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Ordinance or law coverage

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Earthquake or flood add-ons

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Get in touch with us for more answers!

Frequently Asked Questions

  • Do I really need insurance if my HOA has a policy?

    Most small businesses need general liability and, if they have employees, workers' compensation insurance. We’ll walk you through what applies to your business.

  • What is loss assessment coverage?

    You may still be able to recover compensation through your own uninsured/underinsured motorist (UM/UIM) coverage or by pursuing other legal options.


  • Does condo insurance cover short-term rentals?

    Sometimes, with the right endorsement. Let us know if you rent your unit or plan to.


Jacksonvill, Florida

What We’ll Need for a Quote

A quick review gives us everything we need to customize your plan.

Unit address

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HOA master policy info

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Interior improvements or upgrades

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Value of personal belongings

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