Protection Tailored to Your Condo Lifestyle

Condominium living offers flexibility and ease — but it still comes with risks. While your condo association’s master policy covers shared areas and exterior structures, you’re responsible for what’s inside your walls. At St. Andrews Insurance, we help you customize coverage that fits your home and your life perfectly.

Why Condo Insurance Matters

Essential Protection Inside Your Four Walls

Condo insurance helps protect the parts of your home that aren’t covered by your association’s master policy. From your furniture and personal items to interior fixtures and liability risks, the right policy ensures you can enjoy condo life worry-free. We’re here to explain every option clearly, so you feel confident in your protection.

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What Condo Insurance Covers

Personal Property

Protects your belongings — furniture, clothing, electronics, and more — against theft, fire, and other covered events.

Interior Fixtures & Improvements

Covers built-in features and upgrades (like flooring, cabinets, or fixtures) that may not be included in your association’s policy.

Liability Protection

Helps pay for costs if someone is injured inside your unit or if you accidentally cause damage to another unit.

Additional Living Expenses

Covers temporary living costs if damage to your unit forces you to live elsewhere during repairs.



Questions We Hear Most — With Answers

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  • How does condo insurance work?

    When you own a condo, you share some responsibilities with the association. While their master policy covers exterior and shared spaces, your condo insurance protects what’s inside your unit — including personal property and interior features. It also provides liability coverage and living expenses if needed.

  • What does condo insurance cover?

    Your policy can include:

    • Personal property (furniture, clothing, electronics)
    • Interior fixtures and improvements
    • Liability protection
    • Additional living expenses
    • Optional coverages may include accidental medical payments, pet bite liability, and scheduled valuable items.

    Important: In Florida, wind and hurricane damage to interior fixtures and personal property may not be fully covered by your condo association’s master policy. We’ll help you ensure your personal condo insurance addresses these risks completely.

  • How much condo dwelling insurance do I need?

    This depends on your association’s master policy. All-in policies cover most interior features. Bare walls-in policies require you to cover all interior structures and built-ins. We’ll review your documents and guide you to the right choice.

  • When is condo insurance mandatory?

    If you have a mortgage, your lender will typically require condo insurance to protect their investment. Many associations also require owners to carry liability coverage to protect other residents and the building as a whole.

  • What type of liability coverage should I carry as a condo owner?

    We recommend enough liability coverage to protect your savings and assets in case of a claim. Many condo owners opt for at least $300,000 in personal liability protection. We can help customize this based on your needs.

  • What’s the difference between condo insurance and homeowners insurance?

    Condo insurance focuses on protecting what’s inside your unit and your personal property, while homeowners insurance covers both the structure and everything inside. Condo owners also rely on a master association policy for exterior and shared spaces.

  • How does St. Andrews help make condo insurance simple?

    We take the guesswork out by reviewing your association’s policy and walking you through every step. You’ll get personalized guidance from local experts who truly care.

  • Can I bundle my condo and auto insurance?

    Yes! Bundling can save you money and make managing your policies easier. We’ll show you all available discounts.

  • Why choose St. Andrews for my condo insurance?

    We combine fast service, technical expertise, and a dedication to explaining your coverage clearly. We’re local, accessible, and committed to protecting your lifestyle.

Local Help, Real Answers

Let’s Protect Your Piece of Paradise

At St. Andrews Insurance, we make condo insurance straightforward and supportive. You’ll get one-on-one guidance, clear explanations, and a policy tailored to your unique needs — all from a team that knows and loves the Florida Panhandle.

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