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Farm Bureau® Insurance  |  Insurance Products  |  Property Insurance
Condo/Townhouse Insurance: Coverage Options
What a Condo's Policy Covers
Many condominium associations insure the building itself, but as a condo owner, you are responsible for your individual unit. A condo insurance policy generally includes coverage for:

Dwelling Protection
If a covered loss causes damage to your unit's cabinets, dry wall, fixtures or improvements that are part of the building contained within your unit, dwelling coverage would provide coverage up to the policy limits. Most policies offer a limited amount of dwelling coverage. Your Farm Bureau® Insurance agent can review your policy limits and may recommend raising the basic limits depending on your specific needs.

Personal Property
Similar to a homeowner's policy, a condo insurance policy offers personal property coverage, which provides protection for items like your furniture, clothes, dishes and other personal property you own. The amount of coverage is based on a limit that you select.

Loss of Use
If a covered loss damages your condominium to the point where it's not safe to stay there, you'll need to find another place to live while repairs are made. A condo policy includes Loss of Use coverage to help pay for additional living expenses (up to the limits of your specific policy) if your home becomes uninhabitable due to a covered loss.

Personal Liability
Accidents may happen when someone is visiting your condominium. Personal Liability coverage provides protection against claims or lawsuits filed against you for accidental bodily injury and property damage for which you are legally liable.

Medical Payments to Others
If someone is injured while visiting you and they need medical attention, a condo policy will cover reasonable and necessary expenses, up to the policy limits. The injured person must be an invited guest who does not live with you.

Loss Assessment
If your condominium association levies an assessment against you, Loss Assessment coverage is available under a condo policy subject to the terms and conditions of the policy. Review your policy limits with a Farm Bureau® Insurance agent who will help you determine if additional coverage may be needed based on your specific situation.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Why Choose Farm Bureau® Insurance
Farm Bureau® Insurance is different from most insurance companies. We see you as a person not just as a policy number, so your Farm Bureau® Insurance agent will take the time to review your unique needs, answer your questions and work within your budget. Homeowners across Colorado turn to Farm Bureau Insurance because we offer coverage you can count on at a price that won't break the bank. Plus, when you purchase Farm Bureau® Insurance you're showing your support for local, Colorado farmers and helping to protect our supply of fresh, locally grown food. As a thank you, you gain access to a variety of discounts and benefits available to members of our Farm Bureau family.

Speak with a local agent today to get a personalized, no-obligation insurance quote.

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Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

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Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

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