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What is the difference between a condo policy and a homeowner's policy?
What differences should we be aware of going from a condo policy to a home policy? We will be closing on our new house soon and have started shopping for a new homeowners policy. Right now, we have a condo policy with Allstate, but it seems that we need a different type of policy for our new place.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“A condo policy and
homeowners policy
are very similar when it comes to liability and personal property coverage. The biggest difference is that the homeowner’s policy covers your entire property, which is quite different from what is considered your property with a condo.
With a condo, you own and are responsible for everything inside and between the studs of the wall. The condo association is responsible for insuring the condo from the studs of the wall outwards to the exterior of the structure and the roof.
In a condo policy, part A of your insurance plan covers real property that is permanently affixed to the interior structure, like:
- kitchen counters
- cabinets
- bathroom fixtures
Part A of your homeowner’s policy covers the same permanent fixtures and the entire structure of the house, including an attached garage or deck.
Part B of your homeowner’s policy will cover Other Structures. These would be structures that are on your property but not attached, like:
- a fence
- gazebo
- unattached garage or carport
The rest of the policy will be pretty similar to what you are used to. Since you already have a condo policy with
Allstate
, changing to a homeowners policy with them will be easy. Big life changes are a perfect time to shop around for lower rates for your
car insurance
as well. With the free Jerry
app, you will have the option to bundle the auto and home policies together for maximum savings.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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