If you own a condo, it is important to be aware of what you are and are not responsible for in the event of an accident or mishap at your home. Insuring your condominium is different than buying rental insurance or homeowners insurance.  There are a number of different ways your association may be set up, so it is important for us to fully understand the coverage provided by the association and your personal situation.  

For example, some condo associations do not cover betterments and improvements within the unit. At Gatta Insurance we ensure that you are protected properly. We are able to provide coverage for owners in the following types of communities:

  • Condominiums
  • Townhomes
  • Cooperatives
  • Planned Communities 


What Are You Responsible for as a Condo Owner?

Essentially, condo owners are responsible for the items and issues that are inside their condo. This includes personal items, injuries on personal property, property damages to the inside of the condo, internal vandalism and fire, and more.

How Can Condo Insurance Protect You?

  • It may cover your personal property.
  • It may cover incidents within the condo, such as freezing pipes, plumbing issues, fire, vandalism, burglary, etc.
  • It may offer bodily injury liability if an individual is hurt on your property.
  • It may offer liability coverage for property damage.
  • It can cover replacements for internal fixtures that are essential.


Depending on the type of coverage that your condo association already has, you may need more or less of the above options. Our agents will help make this clear and allow us to find you the right coverage for you.