Personal lines
Home, condo, and co-op insurance
Insurance for homes, condo and co-op units, and personal property, where available.
Personal property coverage depends on the residence, occupancy, construction, values, protection, prior insurance, and household information required by the carrier.
Who this covers
- Homeowners
- Condo owners
- Co-op shareholders
- Eligible secondary residences
- Clients coordinating personal and commercial programs
What underwriters look at
- Dwelling coverage or additions and alterations (improvements made to a condo or co-op unit)
- Personal property
- Loss of use (additional living costs after a covered loss)
- Personal liability
- Optional coverage for water, wind, valuables, or other specified needs
Common questions
Is market value the same as replacement cost?
No. Market value reflects what the residence may sell for. Replacement cost estimates the amount needed to rebuild or replace covered property under the policy's valuation rules.
Does a condo or co-op policy replace the building master policy?
No. The unit policy and association master policy address different interests. Review governing documents and both policies with appropriate professionals.
Start a conversation
Tell us about the home or unit.
Share the details and current coverage you already have. We’ll tell you what else is needed.