Condo insurance in California
Your HOA's insurance covers the building structure, but not your unit's interior or belongings. That's our job.
Coverage options
Interior improvements
Covers flooring, cabinets, built-in appliances and improvements you've made to your unit.
Why choose Auto International
Complements your HOA's master policy
Your HOA insures the exterior structure. Yours covers everything else â a perfect team.
Covers water damage between neighbors
If a pipe in your unit damages your neighbor's, your liability coverage may cover it.
Valuable items coverage
Add extra coverage for jewelry, high-value electronics or other valuable items.
Bilingual agents
We explain the difference between the HOA policy and yours in the language you prefer.
Frequently asked questions
My HOA already has insurance â why do I need my own?
The HOA master policy covers the building structure, common areas and the association's liability. It does not cover your unit's interior, your belongings or your personal liability.
How much does condo insurance cost?
Generally $25 to $60 per month, depending on the value of your belongings, interior improvements and liability coverage you choose.
Does condo insurance cover earthquakes?
No. Like homeowners insurance, earthquakes are a standard exclusion. If you live in a seismic zone, consider adding earthquake coverage separately.
