Basically homeowners insurance covers the interior and exterior.
Condo insurance covers your interior, not the structure.
Check your condo association bylaws to determine the type of coverage required..
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Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.
It’s easy to purchase another type of insurance policy through your State Farm agent.
Adding a homeowners, renters, condo or life insurance policy could save you up to 17%.
1 Contact your agent.
Explore the options State Farm offers with homeowners insurance from bundling 2 and home protection devices to roofing material or wind mitigation discounts.
Since 1922, we’ve been working hard to help.
Unless it’s excluded in your policy, a homeowners policy typically covers accidental direct physical loss, meaning happening by chance, to your dwelling, other structures, personal liability and medical.
What Is Homeowners Insurance and What Does It Cover?
After investing in your home it's important to have it insured properly.
What are all the policy coverages, forms, and exclusions?
Learn how the homeowners insurance deductible chosen can make a difference with your homeowners premium.
What is homeowners insurance and what does it cover?
When protecting your most valuable investment it's important to know if your home is properly insured for your needs.
As a State Farm customer, we offer you many ways to save on insurance, including choosing to bundle your auto insurance with renters or homeowners.
Availability and amount of discounts vary by state.
If there is an association form of ownership with a master policy insuring the building exteriors, then you’ll need condo insurance for the interior of your unit.
If not, you’ll need a homeowners policy.
