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Condo insurance

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Coverage that begins where your association’s stops

Your condo is more than just a dwelling. It's an investment. PEMCO Condo insurance is designed to give you the peace of mind you need to cover your investment and personal property.
 

Condo Insurance discounts

 
Workers reading construction plans.

Why choose PEMCO for your condo insurance?

At PEMCO, we understand that your home is not just a building—it's where your family lives and often grows together. Our licensed insurance professionals can help you find the right coverage for your home and your family.

 
 
Coverage you can count on

In addition to covering your personal property and personal liability, we have additional coverage options, so you can customize your policy to fit your specific needs.

Competitive rates

Our rates are some of the most competitive in the industry, so you can have peace of mind without breaking the bank.

Easy claims process

We know that making a claim can be stressful, which is why we have a dedicated claims team to help you every step of the way.

Local expertise

Our agents are experts in providing personalized service to our customers in the Pacific Northwest and understand the unique challenges and risks that come with living in the region.

 
Family together in a living room.

Condo insurance, what you should know

Often, your condo association insurance covers the outside of your building and shared spaces it may not completely cover your personal condo and belongings. PEMCO is here to help you select the right coverage to protect your things and your home.

 
 
What does condo insurance cover?

Condo insurance is designed to cover the interior of your condo and your personal belongings. We’re here to answer questions about your unique policy needs.

How much condo insurance do I need?

The amount of condo insurance you need depends on the value of your personal belongings and your liability coverage needs. We recommend discussing your coverage needs with one of our agents to determine the right amount of coverage for you.

How do I file a condo insurance claim?

You can file a claim on our Go PEMCO app, by calling our claims team at 1-800-GO-PEMCO, or by visiting our website and filling out a claims form. We are here to guide you through the process and help you every step of the way.

Can I bundle condo insurance with my auto insurance?

Yes, you can bundle condo insurance with your auto insurance for additional savings. Our agents can help you find the right bundle based on your needs.

 
 
 

The definitions on this page are simplified and therefore not legally binding. Your policy will have more details about your specific coverages and exclusions. To learn more about your specific policy, you can log into your PEMCO self-service account or talk with your local PEMCO agent.

FAQ

You and your neighbor should both file a claim with your own insurers. Your policy's liability section may provide coverage if you've been negligent in taking care of the tree, and that negligence contributed to the tree falling. 

The policy will provide coverage for the damage to your home. Debris-removal coverage also will be available, up to $2,000, since the tree damaged a covered structure.​

The policy does provide coverage for damage from freezing pipes. If the home is vacant, unoccupied or under construction, there’s only coverage if you’ve taken care to heat the home or shut off the water and drain the system.​

Yes, the same coverages that protect your belongings at home protect them while you're away on vacation.​

No, they're not covered by our renter, condo or homeowner policies. We understand the need for this important coverage, and PEMCO Agency can help you secure a quote with a specialized earthquake insurance carrier. Please call 1-800-467-3626 to learn more.​

Your home is being insured for what it would cost to rebuild it. Some of the factors we review include geography, cost of materials and labor, ease of access to the site, etc. It's different than an assessed or appraised value. ​

Your Loss of Use provision will help you with living expenses if you can't live in your home. It can also be triggered without damage to your home if the authorities order an evacuation. If you're evacuated, once you've reached a safe location, please call us at 1-800-467-3626.​

Damages due to environmental flooding (water outside the home) aren’t covered by renter, condo and homeowner policies. Flood insurance is available through the National Flood Insurance Program. Our professionals at PEMCO Agency can help you get a policy. For more information, call 1-800-467-3626. ​

To make sure you have the right level of coverage for these specific items, please contact us​.​

Condo tips and resources

PEMCO is here to help you worry less and live more by providing you with prevention tips and resources straight from the experts.

How to locate the gas, water, and electricity shutoffs in your home First time homebuyers checklist DIY Maintenance to extend the life of appliances INSPECT: Know the signs of a water leak What should you never put down your garbage disposal? How to reduce your risk of an electrical fire

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