Condo Insurance FAQs

Condo insurance typically protects what’s not covered by your condo association’s master insurance policy. A condo insurance policy would cover loss or damage to the interior of your unit, for example, the cabinets, floors, countertops, and any improvements you’ve made to the inside of your place. In addition, condo insurance covers your personal belongings, and provides personal liability protection, loss of use coverage, and medical payments to others if they were accidently injured on your property.

Condo insurance typically covers what’s inside your unit (what you own), such as cabinets, floors, walls, and does not cover the exterior or detached structures. Whereas homeowners insurance typically covers the entire home including detached structures such as a shed or fence on the property.

Condo insurance rates vary greatly due to many factors. Your premium will be calculated by factoring in the age, location, and other attributes of the condo as well as the value of your personal belongings and types of coverage you choose.

Buying condo insurance from W Insurance is easy. Simply start by getting your quote online, then speak with one of our helpful agents at 800-640-2920 to finish buying your policy over the phone.

No, you’ll receive a renewal notice every 12 months which will identify any changes to your policy as well as the cost for the coverage. Take the time to review your renewal notice to ensure it’s accurate. If you need to make any changes to the coverage, call us at 800-640-2920 where a helpful agent can answer questions or make the necessary changes to your upcoming renewal policy.

You can pay your condo insurance premium easily by logging into or setting up your online account which allows you to make a payment anytime. You can also call us to make a payment at 800-640-2920. Our helpful agents are available Monday to Friday 7:30 am — 7:30 pm PT and Saturday 8:00 am — 4:30 pm PT.

Or you can mail a check, payable to:

W Insurance Company
PO Box 25477
Santa Ana, CA 92799-5477

Yes, you may designate one additional person to receive notice of cancellation of your condo insurance policy for nonpayment of premium. This designated person will receive notice at least 10 days prior to the effective date of any cancellation of your policy for nonpayment of premium. You may designate, change, or delete this person at any time. Please note that this person will not have any rights under the policy except for the right to receive notice of lapse, termination, expiration, non-renewal, or cancellation of your policy for nonpayment of premium.

To add, change, or delete an additional person to receive notice of cancellation for nonpayment, log in to your online account or contact us with the following information:

1. Your policy number
2. Your full name
3. The full name of the additional person you wish to designate
4. The complete mailing address of the additional person you wish to designate
5. Whether or not you authorize W Insurance to discuss your policy's billing information with this designated additional person

A condo insurance policy canceled for non-payment of premium at renewal or mid-term will be reinstated without a lapse in coverage provided:

1. The provided payment is received, within 30 days past the payment due date.
2. The payment is the full amount that is past due.

A policy canceled for non-payment of premium at renewal or mid-term that does not meet the above requirements for reinstatement may be considered for rewriting of a policy subject to new policy terms and conditions.

Please note, payments must be received in our office prior to any expiration or cancellation date to avoid a lapse in your condo insurance coverage. No claims will be honored if a loss occurs during a lapse period.

We currently offer the following:

1. Multi-Policy Discount[1]
2. Home Protection Device Discount
3. Non-Smokers Discount
4. Age of Homeowner Discount
5. Sprinkler System Discount
6. Water Alarm Discount
7. Claims-Free Discount
8. Loyalty Discount

Learn more about condo insurance discounts.

W Insurance condo insurance covers loss or damage to the interior of your unit (what you own), for example, the cabinets, floors, countertops and any improvements you’ve made to your place. A condo insurance policy also covers the personal belongings inside the unit and offers personal liability protection, loss of use coverage, and medical payments to others if accidently injured on your property.

Learn more about condo coverages.

Consider the following to see how much condo insurance coverage you need to buy:

• Master Policy: Read your condo association’s master policy to see what’s not covered by their insurance.
• Dwelling: Buy enough insurance to cover any upgrades you’ve done inside your unit, such as a custom kitchen and cabinets, countertops, hardwood flooring, etc.
• Personal Property: Do an inventory of all the personal property you want to insure, and for higher value items like jewelry or fine art, consider if they need to be appraised first to ensure you buy enough coverage.
• Personal Liability: Ensure you have enough coverage to cover your assets in case you ever get sued over damages you caused to someone else’s property or if you need to make medical payments to others.

Learn more about condo insurance coverages.

Typically, condo insurance covers damage caused by accidental water discharge. For example, say the dishwasher pipe bursts while you’re at work and damages the hardwood floors in your kitchen and dining room. The condo insurance would pay to fix the damages caused to the floors. To find out what water damage is covered on your policy, call one of our helpful agents at 800-640-2920.

Typically, the structures that make up the condo building, for example, the sidewalk, exterior walls, and common areas are not covered by a personal condo insurance policy. However, we recommend to always refer to the association’s master policy for specific details on these items. To see the coverage details of your condo insurance policy, take a look at your policy documents. Also, your condo insurance policy will have an exclusions section describing what is not covered.

Yes, a $50.00 cancellation fee will apply on any new condo insurance policy that is canceled within 60 days of the initial effective date.

Yes, your personal belongings are covered while you are traveling anywhere in the world.

Yes, your condo insurance claims experience can affect your premium.