Bentonville Condo Insurance | FREE Quote | Cribb Insurance



Get a condo insurance quote and cover your home and family

Condo insurance fills your coverage gaps


Condo associations typically have master policies that cover the property, common areas, and outside/physical structure of your condo. But, you can't simply rely on your association's master policy. Your association's policy only covers the things they're responsible for, and not what you're responsible for.

Condo insurance (or condominium insurance) covers your belongings, upgrades to your unit (new cabinets, counter tops, etc.), injuries at your place, certain lawsuits against you, etc. Without condo insurance, you'd have no coverage for these things.

When you should consider buying condo insurance


Condo insurance is for you if you own a condominium, townhome, row home, or other unit that has an association. It's similar to homeowners, but often more affordable because it excludes coverages your association is responsible for. If you rent a condo, you'd instead need renters insurance—or homeowners insurance if you own a home. Not sure? Just get a condo insurance quote. We'll ask the right questions.

If you have a mortgage, your lender will likely require condo insurance. We'll help coordinate the details with your lender. 

Condominium insurance policies aren't one-size-fits-all. A typical policy comes with some standard protections, including condo liability insurance. You can customize your policy by increasing your coverage limits or purchasing optional protection, like loss assessment coverage.

Your condo or townhome owner's policy is separate from your association's insurance. The association's policy, combined with yours, helps ensure that you have the coverage you need.

Here's a look at some of the coverages provided by a standard condo insurance policy.


Liability coverage

If someone sues you after being injured on your property or you're responsible for repairs after you accidentally damage another person's property, condo liability insurance may help pay for your expenses.

Personal property coverage

This helps pay to repair or replace the possessions inside your condo or townhome, like furniture, electronics and clothes, if they're damaged by a covered risk. When you purchase your policy, you may be able to choose between two types of personal property coverage:

  • Actual cash value, which helps reimburse you for your belongings' depreciated value based on factors such as their age or condition.

  • Replacement cost, which pays you for the depreciated value of your belongings, and then, after you've replaced an item, sends a second reimbursement check for the remaining amount needed to purchase the new item.


Guest medical coverage

If a visitor is injured while on your property, this coverage helps pay for X-rays, ambulance rides and other reasonable and necessary medical expenses.

Additional living expenses

This coverage helps reimburse you for increased living costs if you temporarily can't live in your condo or townhouse after a covered claim. It typically helps you pay for food, a temporary place to live and more.

Building property protection

If belongings that aren't typically considered personal property, like cabinetry and appliances, are damaged in a covered claim, this coverage helps pay to repair or replace them. In some cases, though, these items are covered by your condo association's master policy.

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