Click to Call
Griffin Insurance Agency

135 Gasoline Alley
Mooresville, NC 28117

Get Directions

Condo Insurance in North Carolina


Why Have Condo Insurance in North Carolina?

Condo insurance is similar to home insurance, in that it is not required by the state, but your lender may require it. You may think you don’t need condo insurance because your HOA has a master association policy. However, the master association policy won’t cover some things that are important, such as personal property. You also need to protect your liability in case anyone is injured at your condo.

If you are a condo owner but renting out your condo to tenants, you will find that condo insurance gives you some peace of mind to protect items like your appliances and flooring.

What Is Covered Under Condo Insurance in North Carolina?

Condo insurance covers different things that aren’t included in your master association policy. An agent at Griffin Insurance Agency will be able to help determine your coverage needs. Property damage and bodily injury protection are important because, if a guest suffers an injury in your condo or you or a family member accidentally damages someone else's property, you need coverage in case you are sued. This coverage will help pay for medical expenses, the damaged property, your legal defense, and the settlement costs.

While your master policy may protect your home, it doesn’t include your belongings. Many people have a lot of personal belongings in their home that when added up equals thousands of dollars that you want to protect. Some things are not covered under condo insurance that you should be aware of. Be sure to look at your master association policy. Some policies cover everything, which can include flooring, fixtures, and appliances. Others don’t cover as much. The less your association insures, the more individual coverage you need in order to have enough for your belongings. Floods are also not covered by condo insurance, just as they aren’t with homeowner’s insurance, and you will also need a separate policy.

Contact Griffin Insurance Agency to get a quote on condo insurance.

Partner Carriers


  • CHUBB Insurance
  • Donegal Insurance Group
  • FCCI
  • Liberty Mutual Insurance
  • National General Insurance
  • Nationwide Insurance
  • Progressive Insurance
  • State Auto Insurance
  • Travelers Insurance
  • Utica National Insurance Group
  • Westfield Insurance