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HUB Insurance Hunter | Condo Insurance vs. House Insurance?

September 23rd, 2011  |  Insurance

The type of building that you own does have a difference on your home insurance needs. Perhaps the biggest distinction is between condo insurance and home insurance because each dwelling is uniquely different. But, they also have a number of similar policy elements as well.

In terms of similarities, condo and home insurance serve the same general purpose, to protect your property and belongings. But, the major difference between the two is that condo insurance only covers the structures that belong to your unit. So, everything from the interior walls, ceiling and inward are protected in your policy, whereas home insurance is more far reaching and covers the entire scope of your property, including your driveway and backyard.

While both are required by law, condo insurance tends to have more options to add additional coverage. Your needs will depend on your condo and specific situation. If you are not sure about how much condo or home insurance to include in your policy, talk to an insurance broker, like HUB Insurance Hunter, to help you assess your needs. Every home insurance policy is different and you need make sure you have the right level of coverage for your specific situation.

If you would like more information about the difference between condo insurance and home insurance, give us a call at HUB Insurance Hunter. If you home insurance policy is coming up for renewal, make sure to get 3 quotes in 3 minutes with us at and save money on your next home insurance policy. 

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