Condo Insurance

Interior coverage for your Charleston condo unit, personal property, and liability, filling the gaps your HOA's master policy leaves open.

Your condo association's master policy covers the building's exterior and common areas, but everything inside your unit's walls is your responsibility. Harbor Point Insurance provides HO-6 condo policies that cover your interior finishes, personal property, improvements, and personal liability. Charleston's condo market includes everything from converted historic buildings downtown to modern waterfront towers on Daniel Island, and each building's master policy allocates risk differently. Our agents review your association's declarations page to identify exactly where the master policy stops and your coverage needs to begin. We also coordinate loss assessment coverage to protect you if the HOA levies a special assessment after a major claim.

What's Included

Interior dwelling coverage
Loss assessment protection
Personal property and liability
Master policy gap analysis

Condo Insurance Service Areas

We provide condo insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

What does my condo association's insurance actually cover?

It varies significantly. Some master policies cover everything from the studs out, while others are bare walls-in, meaning you're responsible for drywall, flooring, cabinets, and fixtures. We review your association's policy to determine exactly what you need.

Do I need flood insurance for my condo?

If your building is in a FEMA flood zone, your association likely carries a commercial flood policy for the structure. However, your personal contents and interior improvements are not covered by the association's flood policy. A personal flood policy is highly recommended for ground-floor and lower-level units in Charleston.