Condo Owners Insurance

Finding the right condo insurance can be challenging. As a condo owner, your insurance needs are unique, and our goal is to take the worry and stress out of choosing the right coverage. You can choose from our standard Condo Owners Policy or, for the best coverage, select the Central Mutual Summit® Condo Owners Policy, which provides superior coverage in one great package. The Summit Condo Owners Policy reduces the chance of potential coverage gaps and provides complete protection and peace of mind.

What if...

  • You lose your unscheduled diamond engagement ring while on vacation? You're covered for up to $10,000 if you have a Central Mutual Summit Condo Owners Policy.
  • You lose all your personal property when your condo burns to the ground? The Central Mutual Summit Condo Owners Policy will reimburse your expenses to replace your damaged personal property without any deduction for depreciation.

But that's not all you get. In addition, you also receive these benefits with a Central Mutual Summit Condo Owners Policy:

  • Ten times the amount of loss assessment coverage found in a standard condo policy
  • Higher limit of protection for your condo unit and other structures or property, which are your responsibility
  • Broadened cause of loss protection
  • Increased coverage for personal property away from premises
  • Credit card and forgery—up to $5,000
  • Refrigerated contents coverage—up to $1,000
  • Personal injury liability coverage
  • Increased coverage limits on money, securities, watercraft, trailers, business property, silverware, and firearms
  • Up to $10,000 in coverage for lost, stolen, or misplaced jewelry, watches and furs
  • Data recovery due to computer virus
  • Water Backup—up to $10,000 (not in IL, IN, KY, MI, OH, WI)

The Central Mutual Summit Condo Owners Policy offers exceptional value at an affordable price. Talk to your Central agent to learn more about this important coverage or for an insurance quote.

The Central Mutual Summit Condo Owners Policy is not available in North Carolina. For complete details, please contact your Central agent.

View our Discounts and Credits page for a list of our money-saving options.

For more information about these or any of our other quality, affordable coverages, or an insurance quote, please contact your independent Central insurance agent.

Need a Central agent? Link to our convenient Agency Locator to find an agent in your area.

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central agent.