Condo Insurance

Condo Insurance
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condo insurance rate

Get a Great Condo Insurance Rate With Your AARP Membership

You’ve worked hard turning your condo into a place you can call home. The AARP® Home Insurance Program from The Hartford1 can get you the customized coverage you need to protect it at a price that fits your budget. You may even qualify for condo insurance discounts, savings and credits that can help lower your rates.
Save even more when you bundle your auto insurance and condo homeowners insurance coverage with the AARP Home & Auto Insurance Program from The Hartford.
Get your condo insurance quote online today or call an insurance agent at 888-413-8970.
home insurance coverages explained

AARP Home Insurance 101

Learn more about the AARP Home Insurance Program from The Hartford in this video.
condo insurance coverage

Condo Insurance Coverage Types

The Hartford can help you select the right condo insurance coverage for your one-of-a-kind home. Whether you’ve filled it with valuable artwork or expensive technology, we’ll help protect what you value most.

Dwelling Coverages for Condos

Dwelling coverage for condos helps protect appliances and fixtures, along with any changes or improvements you make to your condominium. It can also help protect the parts of the property you’re responsible for insuring under your property owners or condo association agreement.

Condo Personal Property Protection

Condo personal property coverage can help protect the belongings you keep in your condo. These can include furniture, clothing and appliances, depending on your policy’s limitations or exclusions.

Personal Liability

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Loss of Use

Loss of use can help pay your living expenses if you can’t stay in your condo because of a covered loss, like damage from a fire.

Medical Payments

If someone gets hurt on your property this helps pay emergency medical bills up to your coverage limits. It also covers any injury that a family member or pet causes, even if it doesn’t happen in your condo.2


Ways to Save on Condo Insurance

The Hartford and AARP believe in rewarding our customers with condo insurance discounts.

Home Security and Safety Device Savings

Get a discount on your home insurance by upgrading your condo with a burglar alarm or fire sprinkler system.

Retiree Credit for Primary Condo Residence

We believe retirement should be the best years of your life. That’s why we offer credits for retirees. If you’re retired or work less than 24 hours a week, you can save on your condo insurance premiums.*** (Availability varies by state.)
Condo Insurance Claim

Easy Claims When Losses Happen

Losses are painful, but making a condo insurance claim shouldn’t be. That’s why The Hartford offers one of the simplest claims processes available. Our insurance claims specialists are some of the most dedicated in the industry. See for yourself in our condo insurance customer reviews. Best of all, they’re available 24/7 to answer even your toughest questions.
File a Condo Claim

Condo Insurance Rates

Condo insurance costs are different depending on where you are in the U.S., but it’s usually an average of $100 to $400 per year.
Your cost will depend on:
  • The value of your personal property, such as art, jewelry, collectibles or antiques, because you would need additional coverage for those items.
  • The type and amount of coverage you choose and what your condo’s association already has for insurance.
  • The location of your condominium, because prices vary by state and region.
Keep in mind that not all condo insurance policies are the same. The Hartford is the only condo insurance company endorsed by AARP. With our flexible options, savings and expert service, we’ll provide the best protection possible for your condo.
Get a condo insurance quote today and start saving with The Hartford.

Helpful Resources

Bundle Your AARP Insurance Coverages

You can get great rates and coverage when you bundle insurance policies through the AARP Auto and Home Insurance Program from The Hartford.

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Last Updated: June 23, 2021
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
*** The Retiree Credit does not apply to secondary residences.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.