Massachusetts Condominium Insurance

Condo unit owners have different insurance needs than homeowners. Whether your condo is located in Braintree, Marshfield, or Duxbury, Massachusetts, condo ownership allows you convenience while building equity. It’s important to help protect your investment with appropriate insurance coverage.

While you may think you have adequate coverage through your condo association, there may be gaps in coverage. For example, a typical master policy protects the exterior of your unit, but not the interior walls or your personal belongings inside.

Possible Condominium Insurance Coverage Gaps 

It is common for condo association insurance to focus only on the building structure and common areas, leaving your unit and your property inside exposed in the event of a claim. Every master policy is different, but some things that may not be covered are:

  • Improvements or betterments you’ve made to your unit
  • Your personal property
  • Wall coverings such as paint or wall paper
  • Some master policies cover cabinets, fixtures, carpet, etc., but some do not

Without your own Massachusetts condo insurance policy, you’d be left to pay for repairs or to replace your possessions in the event of a loss. Condo insurance protects the inside of your condo, your furniture, electronics, clothing, etc., and your liability if someone is injured on your property.

Discounts for Massachusetts Condo Insurance 

We represent top insurance carriers, which means more options for our clients. Looking for discounts for insurance for your condo? Reach out to our office to learn more about these potential offers:

  • Multi-policy discount: Many insurance carriers will offer discounts for having more than one policy through them, such as bundling your home and auto quotes together with the same insurance company
  • New or first-time homebuyer credit
  • Loss free credit
  • Account credit
  • E-customer discount
  • Protective device discount (alarm systems, sprinklers, etc.)

luxury condominium property at evening

Getting a Quote for Condominium Insurance  

If you’re ready to discuss condominium insurance, reach out to our local insurance agents in Braintree. We represent top insurance companies and can find coverage options for you.

How Much Coverage Do I Need? 

Knowing how much coverage you should be looking for starts with knowing the value of the items you are protecting. Make a list and add up the values of your furniture, appliances, electronics, clothing, and any valuables.

If you have questions about your insurance coverage, our team is readily available by phone or email to answer questions you may have.

How Much is Condo Insurance? 

The amount of coverage you choose, your claims history, and any applicable discounts are some of the factors that will determine how much you will pay for a condo insurance policy. Reach out to our local office in Braintree, Massachusetts today to see your insurance options.

What is Loss of Use Coverage? 

If a covered loss such as a fire prevents you from living in your home, this coverage can provide reimbursement for additional living expenses while repairs are made. Typically, a policy will reimburse you for the portion of hotel bills, meals, laundry and other living expenses that exceed what you would pay if you were living in your home, but policies can vary. Reach out to your local insurance agent to see what coverages are available to you.

dining area of luxury condominium
Local Service    

We’re local, with convenient South Shore offices in Marshfield and Braintree. We take a personal approach to your insurance needs. Our team is readily available by phone or email to answer questions you may have. If you experience a loss, our in-house claims department will strive to make the claims process simple and efficient. We have over fifty years of experience serving individuals and families throughout New England.

Other Insurance Coverages for Massachusetts 

Our local offices can help you find coverage options for your home, but we also can assist you with coverage for your cars, boat, RV, and more. We also offer commercial insurance coverages for businesses including commercial auto insurance, workers’ compensation, and cyber liability. Reach out today to see how we can assist you with your insurance needs.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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