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Making condo,
townhome and apartment
insurance easy since 1948.

Writing insurance policies for condominiums, townhomes and apartments is a unique skill, and Barber Agency brings you over 100 combined years of experience in this industry. But we won’t just write your policy from afar. Barber Agency works with the Property Managers and Board of Directors to carefully craft a policy that works well for your association’s unique needs. We’ll be there for your meetings. We’ll be there to answer any questions. And we’ll even be there to offer your residents individual consultations. As a true member of your team, we’ll make sure you understand exactly what you need, and then we’ll get it for you. Simple as that.

Condo, Townhome and Apartment Insurance

Condo, Townhome & Apartment Insurance General Liability Highlights

General Liability Coverage for condos, townhomes and apartments covers you against claims resulting from your business operations due to bodily injury or property damage to others.
  • General Liability Limits of $1 million per occurrence/$2 million aggregate are standard for the Condo King Package with an option for higher limits of $2 million per occurrence/$4 million aggregate available.
  • Additional Insured – unit owners are added as additional insured with respect to common properties.
  • Advertising Injury and Personal Injury
  • Medical Payments for $5,000 per person
  • Damage to Premises Rented to You is included up to $300,000*.
  • Blanket contractual for all insured contracts
  • Host liquor liability
  • Products/Completed Operations coverage is included and subject to the General Aggregate.

Condo, Townhome & Apartment Insurance Property Highlights

Property Coverage for condos, townhomes and apartments covers your Building and Business Personal Property for replacement cost with no coinsurance.
  • Outdoor Trees, Shrubs and Plants coverage provided for all covered causes of loss up to $3,000*.
  • Embedded coverage applies for mechanical breakdown of vital building maintenance systems, such as boilers and air conditioning systems. The extra costs associated with these types of claims (pollutant clean-up and expediting expenses) are also included up to $25,000. Service interruption to your water or power supplies, caused by equipment breakdown, may also be covered. Your power generating equipment is covered up to $100,000* for a covered breakdown.
  • Business Income and Extra Expense – This covers income that is lost due to suspended operations caused by damage at your building from a covered cause of loss. This is an optional coverage.

Condo King Insurance Package for Condos, Townhomes & Apartments

  • Automatically included and includes rental value
  • Included on an Actual Loss Sustained basis for up to 12 consecutive months
  • Coverage may also be written on a policy or location level basis for any dollar limit without the 12 month limitation.
  • When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 80% of annual receipts/fees and may be modified.
*Higher limits are available.

These features are automatically included for our condo, townhome and apartment insurance policies:

  • Appurtenant Buildings and Structures are included up to a $50,000 limit.
  • These items are considered part of Building coverage:
    - Alarm systems
    - Appliances used for refrigeration, ventilating, cooking, dishwashing or laundering that are not contained within individual units
    - Fences
    - Fire extinguishing equipment
    - Fixtures, outside of individual units, including outdoor fixtures
    - Floor Coverings
    - Lawn maintenance and snow removal equipment
    - Lobby and hallway furnishings
    - Outdoor furniture
    - Retaining walls
    - Outdoor swimming pools
  • Building coverage also includes any of the following types of property contained within a unit, regardless of ownership, if your Condominium Association Agreement requires you to insure it:
    - Fixtures, improvements and alterations that are part of the building or structure
    - Appliances such as those used for refrigerating, ventilating, cooking, dishwashing, laundering, security or housekeeping
  • Building Glass coverage included, with several deductible options available
  • Employee Dishonesty coverage is included up to $25,000* (with an option to cover property managers as employees).
  • Ordinance or law coverage is included for a combined limit of $25,000* at each described premises.
  • Signs within 1,000 feet are included within the Building limit.
  • Building Owners Endorsement – enhances coverage in key areas for your owned buildings:
    - Debris Removal is increased from $25,000 to $50,000.
    - Lessor’s Leasehold Interest coverage is added for up to $25,000.
    - Tenant Move Back Expenses coverage is added for up to $25,000.
    - Utility Services – Direct Damage is added for up to $10,000.
    - Ordinance or Law – Increased Period of Restoration is increased by $50,000.
    - Broadened Named Insured
    - Blanket Additional Insured – Managers or Lessors of Premises or Leased Equipment
  • Flood Protection of America is an exclusive flood discount program that is offered through Barber Agency (FL & CA only). Your association will receive a 10% discount on your master policy with this program.
  • Other Options Available:
    - Blanket limits optional protection may be available
    - Boiler and Machinery
    - Difference in Conditions
    - Directors and Officers
    - Earthquake
    - Employers Practice Liability
    - ERISA Welfare and Pension
    - Garage Keepers
    - Higher limits for most individual coverage extensions
    - Hired and Non-owned Auto Liability
    - Plate Glass
    - Pollution
    - Sewer and Drain Back Up
    - Umbrella Liability
    - Wind/Hail
    - Workers Compensation