Condo Insurance

Condo Insurance2022-04-05T12:48:07-04:00

Get the best protection for the condo you have invested in

What ultimately made your condo both a good lifestyle fit and an excellent investment for you? It could be that your unit has the top-end interior finishes you craved. Or, it could be that your community offers a variety of amenities and services, and promises a virtually maintenance-free lifestyle. It could even be that the other unit owners are fantastic people not only to live next door to but also to socialize with. Now that you have finally found a condo that feels like a true home, Fred C. Church wants to help make sure you have the properly designed condo insurance to protect your investment.


Condo Owners Protected

Unique Coverage Needs

Condo living may be easier but finding the right protection for your investment can get complicated.

Taking care of your individual unit and protecting its value is your responsibility. This means having the proper condo insurance in place in addition to the coverage provided by your condo association’s master insurance policy. Trying to understand the coverage details of your master condo policy, from coverage areas to deductibles, to the specific parts of your unit you are responsible for insuring, can be challenging. As your insurance partner, Fred C. Church can help you dissect your master condo policy and assist you in identifying gaps in coverage that could leave you exposed to significant liability and financial risks. Then, we will be able to recommend insurance coverage to protect you from a wide variety of things that could go wrong inside your condo and out.

Grey condos

Talk to an insurance professional about your condo owner risks.

Talk To An Insurance Professional About Your Condo Owner Risks.

Will your condo insurance cover improvements you make to your unit?

At Fred C. Church, we can help make sure that all the enhancements and upgrades you make to your home are properly insured.

Will your condo insurance cover improvements you make to your unit?

At Fred C. Church, we can help make sure that all the enhancements and upgrades you make to your home are properly insured.

Your condo looked and felt timeless when you bought it. But now that it’s been a few years or longer since you settled in, there are definitely some things that are feeling outdated. There are any number of ways you could go about renovating – and adding value to – your unit. But whether you choose to make more subtle changes, like replacing old appliances, hardware or light fixtures, or you decide to dive into a large project, like a complete kitchen or bathroom remodel, you will want to make sure that these additions are properly insured against potential damage or destruction.

While the standard condo insurance typically includes some coverage for alterations and additions you make, your specific policy may limit the amount. If you have already made substantial changes to your unit, or you are about to, it is an excellent time to talk to an insurance professional at Fred C. Church. We will evaluate if your current coverage needs a minor enhancement, like adding Unit Owners Additions and Alterations Special Coverage to your policy. Our team wants to ensure that when all your renovations are complete, you can sit back and enjoy all of the improvements you have made to your condo for a long, long time.


A grey couch and black chair with a white tall lamp in a modern room of a condo

Here are some additional insurance options
available to condo owners through Fred C. Church:

  • Loss Assessment Coverage

  • New Condo Buyer Credits

  • Bundling Condo & Auto Insurance with the same carrier

  • Flood Insurance

  • Unit Owners Additions & Alterations Special Coverage

  • Scheduled Jewelry, Fine Arts or Other Special Property

  • Sewer Back-Up

  • Earthquake Insurance
  • Identity Fraud Expense Coverage

What we mean when we say,
“It’s the people.”

If you choose to work with Fred C. Church as your insurance broker, you will experience our unique approach to finding the right protection plan for your property and managing the risks you inherently have as a condo owner. You will also see how important it is to us that you wholly understand the condominium insurance coverages that we recommend as safeguards for your most meaningful assets. Most important, you will learn that, as independent agents, we don’t answer to anyone but you. Our only responsibility is to serve your personal goals, needs, and situation. With Fred C. Church, you will always come first.

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5 stars

Everyone I have ever dealt with at Fred C. Church has always provided me with the best service, and that continued today.  You were helpful, kind, and so prompt with getting me what I needed, and I appreciate it so much!

Lindsay G., Dracut, MA

Thank you very much for all your help with my Dad’s car insurance needs as well as my own insurance. Awesome service!

Rich P., Tewksbury, MA

You are SO wonderful. Thank you for being the best agent. Much, much appreciated. 🙂

Lindsay H., Atkinson, NH

You are all experts in your field and you made my worries go away in minutes. I truly appreciate you and all the staff.

Ann Marie A., Lawrence, MA

You probably get tired of me saying this, but thanks again for all your help. You made the whole process go so smoothly. Again, I thank you.

Doug R., Ashland, MA

If you are looking for knowledgeable people who can walk you through the most complex insurance matter, these guys are for you! Good listeners, problem solvers, careful and comprehensive. They aren’t kidding: people do come first here. Five stars is not enough.

Sarah M., Boston, MA

Super helpful and available folks. Awesome place!

Chris R., Haverhill, MA

I have never viewed an insurance agent like a close trusted financial professional such as my accountant, lawyer or financial advisor but always felt maybe I was missing something. Now I know that I was missing out and that I have filled this gap at the same time.

David K., Acton, MA

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.