Personal Insurance

Condominium Insurance

Since 1953, our independent agency has helped condominium owners compare insurance options while we do the shopping for them. Let us review your needs with access to more than 30 rated insurance companies.

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Condominium Insurance Coverage for More than 70 Years

Are you a condominium owner in need of reliable insurance guidance? Oyer, Macoviak and Associates can help compare options from more than 30 rated insurance companies so you can review coverage that fits your needs.

When you choose Oyer, Macoviak and Associates, our team is here to help when questions or changes come up. With decades of experience, we help explain coverage choices, deductibles, and carrier options clearly.

We understand how difficult it can be to navigate the insurance market. Our team helps condominium owners review available coverage options backed by trusted carriers.

Florida condominium owner reviewing insurance coverage inside a modern condo

One request. We shop over 30 rated companies for you.

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Compare Condominium Insurance Options

At Oyer, Macoviak and Associates, we provide you with peace of mind when it comes to condominium insurance. We understand that navigating the sometimes-tricky waters of condominium coverage can be difficult, and that’s why our team of professionals have been helping homeowners all over the country since 1953.

We take the stress out of finding coverage for your condominium by comparing options from more than 30 rated companies.

With Oyer, Macoviak and Associates on your side, you can review condominium insurance choices with guidance from an independent agency.

Condominium Insurance Articles

FAQ Condominium Insurance

Why Do Business with us?

Looking for help reviewing condominium insurance? Oyer, Macoviak and Associates has helped clients compare coverage options for decades.

We work with over 30 rated companies to get you the best coverage at the most competitive price. Plus, we do all the work for you so you can focus on what’s important to you.

Give us a call today at 561-732-9305 or request a quote online to review your condominium insurance options.

01What is condominium insurance?

Condominium insurance is a specialty type of homeowners insurance. It provides coverage for the structure, its contents and personal liability for an individual owner or tenant against losses such as fire, theft, vandalism, and malicious mischief that might occur in the communal areas of a condominium complex.

For example, if you rent out an apartment within a building that has condominium insurance, your personal property should be covered in case there is a loss.

02Why should I purchase condominium insurance?

Condominium insurance is a valuable ­addition to your homeowner’s policy. It provides coverage for the building, its units, their furnishings, and other property not individually covered by the policy. If you have personal belongings, such as computer or clothes in your unit that would be damaged if the building were struck by lightning, for example, they would be covered under a condominium insurance policy.

03How much does condo insurance cost?

The cost of your condominium policy depends on the type and amount of coverage you purchase. Your insurer will help you choose a deductible that is appropriate for your needs based on the valuation of your property. A higher deductible means lower premiums, while a lower or zero deductible will typically result in higher premiums.

04How is condominium insurance different from my other kinds of homeowner’s coverage?

Condominium policies are specialized and are designed to help protect the individual unit owner personal property and liability needs.

The cost and structure of condominium coverage can vary based on the building, unit, coverage selections, deductible, and available carrier options. We can help explain those choices before you decide.

05What if my condominium building doesn’t have an association?

The owner(s) of the building are responsible for taking out insurance on all common areas that would be insured if there were an association or condominium association in place. These may include hallways, corridors, lobbies, bathrooms, or walkways.

06Do all condos need insurance?

Although it is not a legal requirement, our advice is to purchase insurance. Some states’ and local communities’ codes require owners’ associations to carry insurance on the common areas of the development or subdivision. Your insurer can provide you with more information about these requirements.

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