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What is condo insurance? Condo Insurance  Condo insurance is coverage for a condominium unit that helps protect against losses and repair costs. Condo insurance often gives you protection for unexpected events like theft, vandalism, fire damage, water damage, and more. Those who rent an apartment or own a single-family home may think of Condos which are a great alternative to  and they have their own unique insurance needs. Why do I need condo insurance? Even if your condominium association has their own coverage, condo insurance can still come in handy. Their insurance might cover commonly owned property, the condominium building, and liability insurance for the association. But it is a matter of regret that, there are many cases where that insurance policy would not cover you or your things such as water damage to your living room walls or someone get injured slipping on your wet kitchen floor. This is the reason why you need condominium insurance which is designed specifically f