Condo Insurance That Covers What Your HOA Doesn’t
Customized Protection for Condo Owners in Germantown, MD & the DMV
Owning a condo means balancing personal responsibility with shared spaces — and that requires the right kind of insurance. At CF Alliance, we help condo owners in Germantown and throughout the Washington metro area find smart, reliable coverage that picks up where your HOA policy leaves off. Whether you’re insuring your first home or upgrading your protection, we make it simple, clear, and personalized.
What Your Policy Should Cover
Dwelling Coverage (Interior Unit Protection)
Covers the inside of your unit — including walls, floors, built-in cabinets, and fixtures — in case of damage from fire, smoke, vandalism, or other covered events.
Personal Property Coverage
Protects what’s inside your condo, like furniture, clothing, electronics, and appliances — whether damage happens at home or while you’re away.
Liability Coverage
Provides legal and financial protection if someone is injured inside your condo or if you accidentally cause damage to a neighbor’s unit or common area.
Medical Payments to Others
Covers minor medical costs for guests injured in your home, without needing a lawsuit or legal process.
Loss of Use Coverage
Pays for temporary housing and additional expenses if your condo becomes unlivable due to a covered event, like a fire or major water damage.
Loss Assessment Coverage
Helps cover unexpected fees or damage assessments passed on by your condo association — especially for shared spaces like roofs, hallways, or pools.
Add‑Ons That Matter
Condos come with their own risks — these extra protections make sure you’re covered all the way:
Water Backup Coverage
Covers damage from sump pump failure or drain/sewer backup — a common condo risk that’s often excluded from standard policies.
High-Value Item Protection
Extra protection for valuables like jewelry, art, or collections that exceed basic coverage limits.
Unit Upgrade Coverage
Covers improvements you’ve made — like hardwood floors, kitchen remodels, or custom built-ins — that wouldn’t be covered by your HOA’s master policy.
Why It Matters
You Handle the Inside. We’ll Handle the Coverage.
Many condo owners assume their HOA master policy covers everything — but it often stops at the drywall. At CF Alliance, we help you understand exactly where their coverage ends and yours should begin. We’ll tailor your policy to match your unit, budget, and building rules, so there are no surprises later.
What You Need to Know
Doesn’t my HOA insurance cover everything?
Not quite. HOA policies typically cover common areas and exterior walls, but you’re responsible for the inside of your unit and personal liability.
Do I need condo insurance if I rent out my unit?
Yes — and the type of policy may differ. We can help you choose the right coverage for short- or long-term rentals.
What’s the difference between condo insurance and homeowners insurance?
Condo insurance (HO-6) covers only the interior of your unit and your personal property, while homeowners policies typically cover the entire structure and land.
Is condo insurance required by lenders?
Yes — most mortgage lenders will require you to carry condo insurance as a loan condition.
Can I bundle condo insurance with auto or umbrella policies?
Definitely. Bundling often saves you money and keeps your coverage organized with one trusted agency.
Let’s Protect Your Condo the Right Way
From downtown high-rises to quiet suburban communities, we help condo owners protect their space, their stuff, and their peace of mind. Let CF Alliance help you cover what your HOA can’t.